Free Credit Report

There are 3 credit bureaus that provide and control these credit reports: Experian, Trans Union and Equifax. The reports and credit score from these credit bureau may not be exactly the same because some creditors don't report activity to all three credit bureau.

Find out what is on your credit report by viewing your credit report online and ensuring your credit score and history is in good shape in case you need to apply for a mortgage or any other types of loans.

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Credit report information
Your personal credit report contains personal information such as your past addresses and bank accounts as well as indepth details about your financial behavior. This easy to understand credit report is often referred to as a credit file or a credit history. Viewing your credit report is a good idea especially if you are going to be looking for a loan of any type. The standard consumer credit report includes four types of information.

Credit reports do not disclose certain medical information such as anything relating to physical, mental, or behavioral health conditions. However, the name of such institutions might appear on your credit report. This is the same as if you went to Circuit City and bought $100 worth of goods. They will report that you bought $100 worth of goods. So people looking at your credit card bill will see that you went to Circuit City but don't know what you bought there.

Public record information in a few states might include any overdue child support. Bankruptcy information will likely remain on your credit report up to a max of 10 years. Any unpaid tax liens might remain up to 15 years; while any other public record information can remain up to 7 years.

Credit information includes more specific data such as when the account was opened, the credit limit, loan amount, monthly payment and your payment pattern. The credit report will also display any joint account holder or cosigner on any of your account. Most of the negative info on your credit report will stay there for up to 7 years. The good parts stay on forever.

Requests by others to view your credit history will let you know who has requested and received your credit report and who has been given your name during the past. The Fair Credit Reporting Act allows credit grantors with a permissible purpose to look into your credit history without your prior consent.

On your personal credit report ordered directly from Experian, information about those who inquired for the purposes of extending a pre-approved credit offer are included for your information. These inquiries are not revealed to creditors and do not impact your ability to obtain credit.

Personal information includes your names, current and previous addresses, home and sometimes work telephone number, reported variations of your Social Security number, date of birth and current and previous companies you have worked for.

"Statements of dispute" includes anything that has been disputed by you or one of your creditors. If the dispute is resolved within 30 days, then the credit report no longer displays it.

View a sample Experian credit report