Credit reports, also known as credit files, are composed of the credit-related data a credit reporting company has gathered about consumers from different sources. Credit reports include records of mortgage payments, credit card balances, credit card payments, auto loan payments, and credit inquiries. It may also include accounts that have gone into collections, public records, and other information from government sources.

Credit reports include the following about your debt accounts:

• A list of creditors that have extended credit or loans.
• Total loan amounts and credit card limits.
• Payment amount and history on all loans and credit lines.

Credit reports may also include:

• Inquiries, each time your credit report was pulled by a lender in the past two years
• Your current and/or former address(es)
• Your current and/or former employer(s)
• Other details of public record

Under Federal law, you are entitled to receive one free copy of your credit report from each credit reporting agency every 12 months. You can obtain a free copy of your credit reports at www.annualcreditreport.com or by calling 877-322-8228. For more information, visit www.consumerfinance.gov/ask-cfpb/what-is-a-credit-report-en-309/.