What shows up on my credit file?

Personal information 

Your full name, date of birth, social security number, current and previous addresses, and current and previous employers are reported.

Current and previous account history 

Information about your home loans, auto loans, personal loans, student loans, boat loans, RV loans, credit cards, and other types of accounts is reported. If an account goes to collections, such as utility bills, broken leases, bankruptcies, and child support data will also be reported.

What doesn’t report? 

Rent/lease payments do not automatically report, unless you use a service that has added your history. However, these services do not help the FICO scoring model used by mortgage lenders. Utilities, phone services, income, and your spouse’s accounts (unless you are a joint or authorized user) are not reported.

Note – Tax liens and judgments, previously reported on your credit file in the public records section, no longer appear on your credit file.

Published: February 22, 2023
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