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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 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.

N/R

Not Reported

Unknown

Current

30 Days Late

60 Days Late

90 Days Late

120+ Days Late

Collection

Voluntary Surrender

Repossession

Charge Off

Foreclosure

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.

What You Need to Know:

There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.

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