The information included in your credit report can directly affect your financial future. A credit report is often one of the factors that decides whether you are approved for loans or new lines of credit. The information included in your credit report can be anything from the amount of credit you have, your credit limits and payment history.
But what information do creditors and lenders not get from your credit report?
Personal Information
While a credit report provides detailed information about your financial history, it does not provide creditors or lenders with any personal information. A credit report will never contain any of the following information:
? Your age
? Your race
? Your sex
? Your religion
? Your marital status
? The country where you were born
Employment Information
While Lenders and Creditors may get access to it from other sources, they will not find any of the following information about your employment on your credit report:
? Your employer
? Your job title
? Your annual salary
? The date you began work
? Past employment history
Credit Information
Many people assume that a credit report will contain everything there is to know about your credit history and activity. But the truth is that there is a lot of information about your credit history that is not found on a credit report.
This exempt information can include:
? Any interest rates currently being charged on open credit accounts
? Child and family support payments
? Rental agreements
? Credit inquiries made by pre-approved credit cards
? If you take part in credit counseling
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