What Does a Credit Report Look Like?

Here is what does a credit report look like. The following is a sample 3-in-1 credit report that combines your credit information from the 3 major credit bureaus (Equifax, Experian & Transunion) into a single report, to help you with the process of checking it.

Slight variation between your actual report and the one described here can be expected, but the important terms are still recognizable.

Click these links to see what does a credit report look like:

• Sample 3-in-1 credit report (Part 1)
• Sample 3-in-1 credit report (Part 2)
• sample 3-in-1 credit report (Part 3)

Your credit report contains a wealth of information and can be pretty confusing, especially if you’re reading it for the first time. Your credit report is divided into 7 basic sections:

Consumer Information
This section contains your personal information such as your name, nickname, address, previous address and place of employment. Previous places of employment may also be included.

Consumer Statements
This section contains personal statements submitted to the credit bureaus by you, to clarify a credit dispute or an error.

Summery Information
This section contains summarizes information about ALL the different types of accounts you have, broken down by account type.

Click here to see how these 3 sections look like.

Account History Information
This section contains detailed information about all the credit accounts in your name and each account’s history. Accounts are divided into five categories: Real Estate, Revolving, Installment, Other, and Collection.

Click here to see how this section look like.

Public Record Information
This section lists publicly available information about legal matters affecting your credit such as bankruptcies, judgments against you in civil actions, state or federal tax liens, state and country court records, and, in some states, overdue child support.

Inquiry Information
This section lists all the inquiries that have been made into your credit report in the past two years.

Creditor Information
This section contains contact information of all creditors and lenders that appear on your credit report.

Click here to see how these 3 sections look like.