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CREDIT REPORT BASICS

Credit report information
Details about your financial behavior and identification information are contained in your personal credit report (click here for a free copy of your credit report). This consumer-friendly report is sometimes called a credit file or a credit history. A copy of your credit report makes it easy for you to understand the information a lender would be seeing if they review your credit history. The typical consumer credit report includes four types of information.
 
By law, credit bureaus cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Although such information is not generally collected, it could appear in the name of a data furnisher (i.e., "Cancer Center"). If so, those names display in your report, but in reports to others they display only as medical payment data. Consumer statements included on your report at your request that contain medical information are disclosed to others.
 
Public record information in some states may also include overdue child support. Bankruptcy information can remain on your credit report up to 10 years; unpaid tax liens can remain for up to 15 years; other public record information can remain up to seven years.
 
Credit information includes specific account information, such as the date opened, credit limit or loan amount, balance and monthly payment and payment pattern. The report also states whether anyone besides you (a joint account holder or cosigner, for example) is responsible for paying the account. Active positive credit information may remain on your report indefinitely, while most negative information remains up to seven years.
 
Requests by others to view your credit history will show you who has received information from your credit report and who was given your name during the recent past, as allowed by law. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about your credit information without your prior consent. This section includes the date of the inquiry and how long the inquiry will remain on your report.
 
On your personal credit report ordered directly from a credit bureau like Experian, information about those who inquired for the purposes of extending a pre-approved credit offer may be included for your information. These inquiries are not revealed to creditors and do not impact your ability to obtain credit.
 
Personal information can include your name, current and previous addresses, telephone number, reported variations of your Social Security number, date of birth and current and previous employers.
 
Your credit report should not contain - and the major credit bureaus do not collect - data about race, religious preference, medical history, personal lifestyle, political preference, friends, criminal record or any other information unrelated to credit. Nor is there information about your checking or savings accounts.
 
 
This information is provided as a general educational tool and Crown Jewelers makes no representation as to accuracy or it's relevance to your particular situation.
 

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Crown Jewelers Inc. All rights reserved.
All information contained is deemed reliable, but not guaranteed.
Crown Jewelers reserves the right to change the terms of the credit program without notice.