Credit*record

The core of the report. It lists credit cards, mortgages, auto loans, and student loans, including account balances, credit limits, and payment history.

While each bureau may format data differently, most reports include these five categories: credit*record

By law, you are entitled to a free copy of your credit report from each of the three bureaus. The core of the report

Occur when you check your own report or for pre-approved offers; these do not affect your score. and student loans

Accounts that are significantly past due and have been sent to internal or external collection agencies. How to Get Your Free Report

A record of who has accessed your report in the last two years.

Information from court filings, primarily bankruptcies .