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Exploring Your Credit Report

Consistently reading your credit reports is one of the foundations of healthy credit and a good way to help spot potential identity theft. Below we’ve provided explanations of important sections of your credit report along with key things to look for and what impact the information in those sections could have on your credit score.

The data provided is meant for example only and does not pertain to any specific individual. This sample report most closely replicates the sections and details you’d find on your免费年度信用报告。但是,其中部分和内容的顺序可能因您的个人信用简介以及您访问信用报告而异。

Guided Credit Report

Here you'll find an example credit report that you can use as a guide as you explore your own personal credit report. Each section contains additional information and tips to help you along your credit journey. Just click "Learn More" to view.

个人信息

Names Reported

John Smith, John J. Smith

出生日期

MM/DD/YYYY

SSN

自1985年2455年以来,您一直在我们的文件上

### - ## - 1212

报告的地址

1234 Main St, Chicago, IL 60654
日期报告: MM/DD/YYYY
13555 ABC St, Houston, Texas 77346
日期报告: MM/DD/YYYY
2222 Cross Rd,Bellaire,MD 12345
日期报告: MM/DD/YYYY

报告电话号码

123-123-2222
543-241-2232

雇主报告说

必威娱乐官网
职业: 经理
Date Verified: 06/01/2021

Public Records

Address:

123 Main Street
Las Vegas, NV 93401

责任:

个人Debt

Court Type:

联邦区

Estimated month and year that this will be removed:

08/2026

Plaintiff Attorney:

帐户信息

When you have an account with a lender, such as a mortgage or credit card, they typically report your payment history to at least one of the three major credit reporting agencies. The ratings in the key below describe the payments that may be reported by your creditors. Please note: Some but not all of these ratings may be present on your credit report.

Typically, creditors report any changes made to your account information monthly. This means that some accounts listed on your credit report may not reflect the most recent activity until the creditor’s next reporting.

N / R.

Not Reported

Unknown

当前的

30天晚了

60 Days Late

晚90天

晚120天

Collection

自愿投降

收回

Charge Off

Foreclosure

Accounts With Adverse Information

Address:

123 Main Street
Las Vegas, NV 93401

电话:

### - ### - ####

Date Opened:

01/01/2021

责任:

个人Account

支付状态:

当前账户

贷款类型:

信用卡

更新日期:

06/17/2021

已收到付款:

$15

Last Payment Made:

06/16/2021

条款:

Minimum $15

帐户类型:

旋转账户

Credit Limit:

550美元从07/2020到02/2021

High Balance:

510美元

令人满意的账户

Address:

123 Main Street
Las Vegas, NV 93401

电话:

### - ### - ####

Date Opened:

01/01/2021

责任:

个人Account

帐户类型:

Installment Account

贷款类型:

AUTOMOBILE

更新日期:

06/30/2021

已收到付款:

400美元

Last Payment Made:

06/16/2021

支付状态:

当前账户

条款:

400美元per month, paid Monthly for 72 months

分期付款/抵押贷款账户的原始贷款金额:

$30,000

Collections

Address:

123 Main Street
Las Vegas, NV 93401

电话:

### - ### - ####

Date Opened:

01/01/2020

责任:

个人Account

帐户类型:

Open Account

贷款类型:

Collection Agency

更新日期:

04/01/2021

Amount Placed:

$1,000

原始客户信息:

CABLE COMPANY

Pay Due:

$1,000 Past Due

支付状态:

In Collection

估计的月份和年份将被删除:

01/2027

Remarks:

放置收集

Regular Inquiries

Address:

123 Main Street
Las Vegas, NV 93401

电话:

(xxx)xxx-xxxx

询问类型:

个人

Permissible Purpose:

CREDIT TRANSACTION

Address:

100 Pigeon Ave.
Black Hawk, CO 80403

电话:

(xxx)xxx-xxxx

询问类型:

个人

Permissible Purpose:

CREDIT TRANSACTION

促销查询

Address:

44岁的迪凯特街
Tunica,MS 28676

电话:

(xxx)xxx-xxxx

Address:

36 Alembert Ave.
Las Vegas, NV 89144

电话:

(xxx)xxx-xxxx

帐户审查Inquiries

Address:

21杰克逊方式
Biloxi,MS 39532

电话:

(xxx)xxx-xxxx

Address:

888 Advantage PL
Deadwood, SD 57732

电话:

(xxx)xxx-xxxx

Consumer Statement

创造了
04/01/20

01/2021

I am unable to make timely payments due to the impact on my job/wages as a result of the COVID-19 pandemic.

权利摘要

您的信用评分未提供免费的每周信用报告。

However, reviewing your reports can help you make sense of your credit score. Below are some key credit scoring factors and which section on your report may impact them.