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 free annual credit report. However, the order of the sections and content therein may vary depending on your individual credit profile and where you access your credit report.
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.
Personal Information
Names Reported
John Smith, John J. Smith
Date of Birth
MM/DD/YYYY
SSN
You have been on our files since 04/24/1985
###-##-1212
Addresses Reported
1234 Main St, Chicago, IL 60654
Date Reported: MM/DD/YYYY
13555 ABC St, Houston, Texas 77346
Date Reported: MM/DD/YYYY
2222 Cross Rd, Bellaire, MD 12345
Date Reported:MM/DD/YYYY
Phone Numbers Reported
123-123-2222
543-241-2232
Employers Reported
TransUnion
Occupation: Manager
Date Verified: 06/01/2021
Public Records
Court Name
Docket Number
Type
Date Filed
Type:
Chapter 13 Bankruptcy Dismissed
Address:
123 Main Street
Las Vegas, NV 93401
Date Filed:
09/07/2019
Responsibility:
Individual Debt
Court Type:
Federal District
Estimated month and year that this will be removed:
08/2026
Plaintiff Attorney:
Account Information
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.
Accounts With Adverse Information
Account Name
Account Number
Balance
Monthly Payments
Balance:
$438
Monthly Payments:
$15
Address:
123 Main Street
Las Vegas, NV 93401
Phone:
###-###-####
Date Opened:
01/01/2021
Responsibility:
Individual Account
Pay Status:
Current Account
Loan Type:
CREDIT CARD
Date Updated:
06/17/2021
Payment Received:
$15
Last Payment Made:
06/16/2021
Terms:
Minimum $15
Account Type:
Revolving Account
Credit Limit:
$550 from 07/2020 to 02/2021
High Balance:
$510
2021
2020
2019
Jan
Balance:
$315
Sched Paymnt:
$15
Amount Paid:
$75
Past Due:
$0
Rating:
2021
2020
2019
Feb
Balance:
$303
Sched Paymnt:
$15
Amount Paid:
$150
Past Due:
$0
Rating:
2021
2020
2019
Mar
Balance:
$510
Sched Paymnt:
$15
Amount Paid:
$0
Past Due:
$0
Rating:
2021
2020
2019
Apr
Balance:
$470
Sched Paymnt:
$15
Amount Paid:
$0
Past Due:
$20
Rating:
2021
2020
2019
May
Balance:
$455
Sched Paymnt:
$15
Amount Paid:
$75
Past Due:
$0
Rating:
2021
2020
2019
Jun
Balance:
$438
Sched Paymnt:
$15
Amount Paid:
$20
Past Due:
$0
Rating:
2021
Balance:
Sched Paymnt:
Amount Paid:
Past Due:
Rating:
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sept
Oct
Nov
Dec
$315
$303
$510
$470
$455
$438
$15
$15
$15
$15
$15
$15
$75
$150
$0
$0
$75
$20
$0
$0
$0
$20
$0
$0
Satisfactory Accounts
Account Name
Account Number
Balance
Monthly Payments
Balance:
$29,600
Monthly Payments:
$400
Address:
123 Main Street
Las Vegas, NV 93401
Phone:
###-###-####
Date Opened:
01/01/2021
Responsibility:
Individual Account
Account Type:
Installment Account
Loan Type:
AUTOMOBILE
Date Updated:
06/30/2021
Payment Received:
$400
Last Payment Made:
06/16/2021
Pay Status:
Current Account
Terms:
$400 per month, paid Monthly for 72 months
Original Loan Amount for installment/Mortgage accounts:
$30,000
2021
2020
2019
Jan
Balance:
$29,600
Sched Paymnt:
$400
Amount Paid:
$0
Past Due:
$0
Rating:
2021
2020
2019
Feb
Balance:
$29,200
Sched Paymnt:
$400
Amount Paid:
$0
Past Due:
$0
Rating:
2021
2020
2019
Mar
Balance:
$28,800
Sched Paymnt:
$400
Amount Paid:
$0
Past Due:
$0
Rating:
2021
2020
2019
Apr
Balance:
$28,400
Sched Paymnt:
$400
Amount Paid:
$0
Past Due:
$0
Rating:
2021
2020
2019
May
Balance:
$28,000
Sched Paymnt:
$400
Amount Paid:
$0
Past Due:
$0
Rating:
2021
2020
2019
June
Balance:
$27,600
Sched Paymnt:
$400
Amount Paid:
$400
Past Due:
$0
Rating:
2021
Balance:
Sched Paymnt:
Amount Paid:
Past Due:
Rating:
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sept
Oct
Nov
Dec
$29,600
$29,200
$28,800
$28,400
$28,000
$27,600
$400
$400
$400
$400
$400
$400
$400
$400
$400
$400
$400
$400
$0
$0
$0
$0
$0
$0
Collections
Account Name
Account Number
Balance
Balance:
$1,000
Address:
123 Main Street
Las Vegas, NV 93401
Phone:
###-###-####
Date Opened:
01/01/2020
Responsibility:
Individual Account
Account Type:
Open Account
Loan Type:
Collection Agency
Date Updated:
04/01/2021
Amount Placed:
$1,000
Original Client Information:
CABLE COMPANY
Pay Due:
$1,000 Past Due
Pay Status:
In Collection
Estimated month and year this will be removed:
01/2027
Remarks:
Placed For Collection
Regular Inquiries
Address:
123 Main Street
Las Vegas, NV 93401
Phone:
(XXX) XXX-XXXX
Requested On:
01/01/2021
Inquiry Type:
Individual
Permissible Purpose:
CREDIT TRANSACTION
Address:
100 Pigeon Ave.
Black Hawk, CO 80403
Phone:
(XXX) XXX-XXXX
Requested On:
01/10/2021
Inquiry Type:
Individual
Permissible Purpose:
CREDIT TRANSACTION
Promotional Inquiries
Address:
44 Decatur Street
Tunica, MS 28676
Phone:
(XXX) XXX-XXXX
Requested On:
01/02/2021
Address:
36 Alembert Ave.
Las Vegas, NV 89144
Phone:
(XXX) XXX-XXXX
Requested On:
12/21/2020, 05/22/2020
Account Review Inquiries
Address:
21 Jackson Way
Biloxi, MS 39532
Phone:
(XXX) XXX-XXXX
Requested On:
01/25/2021
Address:
888 Advantage PL
Deadwood, SD 57732
Phone:
(XXX) XXX-XXXX
Requested On:
10/23/2020
Consumer Statement
Status
Expires
Statement
Status
Created
04/01/20
Expires
01/2021
Statement
I am unable to make timely payments due to the impact on my job/wages as a result of the COVID-19 pandemic.
Summary of Rights
Your credit score isn’t provided on your free weekly credit reports.
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.
Inquiries
Having recent inquiries on your account can bring down your score. You can find these in the Regular Inquiries section.
Payment history
Making payments on time is one of the major keys to healthy credit. The payment status from month-to-month is listed under each account.
Account balances
Your credit utilization, the amount you owe compared to your credit limit across your revolving accounts, can impact your credit score. Current balances will be listed under each account. If you recently paid down a balance, it may take some time to update on your report.
Credit mix
Having a variety of accounts in good standing like credit cards, mortgages or other installment loans and mortgages can be good for your credit score. You can see the type of each account where it says "Loan Type."
Age of credit history
In general, having a long established history of credit is positive for your score. You’ll find the “Date Opened” information under each account.
What You Need to Know:
The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.
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