Your credit reports are a record of your debt-related activities over the past seven to 10 years. Any information your creditors and debt collectors have reported to the credit bureaus will appear in your reports. This includes:
- Identifying information. Your Social Security number, current and past names and addresses, and date of birth.
- Employers. The names of employers you listed on past loan applications.
- Debt activities. Details of your current and closed credit cards and loans, collection accounts, bankruptcies, and a record of when your payments were made on time or missed.
- Inquiries. Hard inquiries show up when creditors pull your reports to approve or deny your application for a new account. Soft inquiries show up when creditors and insurance agencies pull your reports without impacting your credit scores.