The following information is included in credit reports:
Identification: Your name, social security number, birth date, and information on your employer (where you work).
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Credit Inquires: When you apply for a loan. This section will have voluntary inquires (something that you requested that is credit-based) and involuntary inquires (when a lender orders your report)
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Public Records & Collections: Information from state and/or county courts, information on over-due debt (if you have any), bankruptcies, forecloses, law suits, your wage (from your job or other income), garnishments, and liens.