Credit*record Info

Occur when you apply for credit and can slightly lower your score.

While each bureau may format data differently, most reports include these five categories:

A record of who has accessed your report in the last two years. credit*record

Occur when you check your own report or for pre-approved offers; these do not affect your score.

Information from court filings, primarily bankruptcies . Occur when you apply for credit and can

Full name, aliases, Social Security number, date of birth, current and past addresses, and employer history.

Accounts that are significantly past due and have been sent to internal or external collection agencies. How to Get Your Free Report primarily bankruptcies . Full name

By law, you are entitled to a free copy of your credit report from each of the three bureaus.