Understanding Your Credit History. Your credit file is accurate documentation of one’s credit rating as time passes.
You will find three major credit scoring agencies, or credit agencies: Experian, Equifax, and Transunion. Each provides its very own credit report. (it is possible to look at your 3-bureau credit history. )
Your credit history will generally retain the following types of data:
- Information that is personal: this may consist of your «vitals, » such as for example your title (and any aliases or typical misspellings that will have already been reported by a creditor), social protection quantity and any variants that could were reported, delivery date, present and past details, and current and past companies. It will not consist of details about marital status, banking account balances, earnings, training degree, competition, religious choices, health background, individual life style, governmental choices, buddies, criminal records or just about any other information unrelated to credit. Leer más