1.) Identification Information - The first thing listed will be your name, date of birth and Social Security number. These are used for identification. Employment information may also be listed.
2.) Public Record Information - Data from federal, state or county court records. Bankruptcies, liens or judgements and other types of claims.
3.) Collection Agency Information - A collection is an account that has been turned over to a collection agency by one of your creditors because you have not paid the account as agreed.
4.) Credit Information - This section makes up the bulk of the report. It will include mortgage, installment, revolving, other open and closed accounts.
5.) Inquiries that display - All authorized and legitimate requests to see your credit history (hard inquiry).
6.) Inquiries that DO NOT display - These inquiries are displayed only to you and are not considered when tabulating your credit score (soft inquiry).
7.) Consumer Statements - If for some reason you cannot prove that a negative item is an error or if you are having a disagreement with a certain creditor, you have the right to tell your side of the story in 100 words or less. This statement will be added to your report.