What kind of information is in my credit report?

A credit report is a snapshot in time of your financial reliability: who you are, any debts you owe, and other information to help banks and other lenders assess if you’re a good credit risk. Your credit report contains your name, current and previous addresses, date of birth, and Social Security Number. It also lists any accounts or joint accounts you currently have open, credit history, employment history, and public records. The information in your credit report can also be used to explain your credit score—a numerical value determined by your credit file (scroll down for more credit score information).