Personal Information Your Credit Report Contains
Credit reports are prepared by three credit bureaus, i.e., Equifax, Experian and TransUnion, and report on the credit activities of the concerned individual. These reports are obtained by the consumer to evaluate his or her credit score and by creditors, with whom the consumer applies for fresh credit. Credit reports can also be illegally viewed by fraudsters that ultimately lead to credit frauds. So, what is the information in the credit report that identifies an individual and is of sensitive nature?
Personal Identity
First of all, it is the name of the individual that can be accessed from his or her credit report. The name is displayed in full, along with the aliases, if any.
Date of Birth
The age and date of birth are other pieces of information included in the credit reports of an individual.
Social Security Number
The unique Social Security Number of the individual is present on his or her credit report and it is the most sensitive entity that can be used to identify great deal of information about the person.
Addresses
The person’s present day address is available as identification information in his or her credit report. Also, the past addresses of an individual are also present in these credit reports. Contact numbers of the individuals are also present in the credit report.
Employer Information
The information about the company or the workplace of an individual is also available in the credit reports issued by the three credit bureaus. Apart from the current employment details, the information about past jobs and employers is also available in the credit report.
Spouse Information
The credit reports also contain the information about the person’s spouse. This information includes name, age, job details, address, etc.
Children Information
The information about children, even those belonging to the minor group, is also found on the credit report. This part contains the names of children, their ages and other possible facts.
What is not included?
The credit reports don’t contain information related to the religion, race, or other social aspects of the individual, as they don’t have any role to play in the financial status of the person concerned.
As you can see, information in the credit report is like an identification tool for different types of people. Thus, it is important to save your report from going into the wrong hands.