1. Your name and variations
Your credit report could contain different versions of and even misspellings of your name. For example, your first and last name might appear along with your first and last name with your middle initial. If creditors have misspelled your name, that misspelling could be on your credit report.2. Your current and previous addresses
If you’ve received mail at more than one address, there’s a great possibility all those addresses will be on your credit report. Of course, if there’s an address where you never lived appearing on your credit report, you can dispute it. It doesn’t hurt your credit score, but could be a sign of identity theft.
3. Your employer
The name of your employer might be on your credit report. But, it might not be. It doesn't influence your credit score, but may help lenders and credit card issuers verify the information on your loan or credit card application.
4. Revolving accounts
Revolving accounts are credit accounts with balances that can go up and down. The most common type of revolving account is a credit card. A line of credit is another type of revolving account.
5. Installment loans
Installment accounts are loans that you make payments on each month, like a mortgage or a car loan. Unsecured loans like personal loans will also appear on your credit report.
6. Open and closed accounts
Open and closed accounts will both appear on your credit report, except negative, closed accounts that are older than seven years. Accounts that were closed in good standing may stay on your credit report about ten years after the account has been closed.
7. Account payment history
The complete payment history for your credit accounts will be on your credit report, except negative payment history that’s older than seven years. Typically only the last 24 months of payment history will appear on your credit report, but old past due payment statuses may be included in the notes section for that account.
8. Recent credit and loan applications
Recent applications for credit will appear on your credit report in the inquiries section. These inquiries only remain on your credit report for 24 months.
9. Collection accounts
Unpaid debts that have been sent to a collection agency. Even something as small as a $4 library fine could end up on your credit report if the library sends the account to collections.
10. Public records
Public records include things like bankruptcy, repossessions, and foreclosures. These are all proceedings that have gone through the court system. They’ll also appear on your credit report for up to seven years for repossession and foreclosure, ten years for bankruptcy.
