What personal information is found in a credit report?

• A. Bank account balances and transaction history.
• B. Tax return information.
• C. Personal identifiers such as name, address, SSN, date of birth, employment and account history.
• D. Criminal background checks

Answer: (C)

Credit reports are built to identify you and summarize how you manage credit, focusing on information that helps lenders assess risk. The most relevant data include personal identifiers that uniquely tie the report to you—your name, current and previous addresses, Social Security number, date of birth, and employment information. They also include details about your credit accounts, such as when each account was opened, the credit limit or loan amount, current balance, and your payment history, along with records of any inquiries from lenders. Public records related to credit activity, like bankruptcies or liens, may appear as well.

This type of report does not contain bank account balances or transaction histories, which come from your bank statements, nor does it carry tax return information or criminal background checks. Those sources are separate from credit reports.