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Collections: Bills and debts that have been purchased by debt collection agencies, contact information for the collection agency, the amount you owe and when the information will be removed from your reports.

Loans: How much you originally borrowed, how much you owe, and your monthly payment history.Credit card accounts: Limits, balances, and whether or not you've made the minimum payment each month.Personal information: Your name, date of birth, SSN, past addresses, employers and phone numbers.Here's what you'll find in a credit report: The reports may also have information about your non-debt related bills - including utilities, rent and hospital bills - if they go unpaid and end up being turned over to collections. Your credit reports are documents that show your history with debt, over the last seven or more years.Ĭredit reports are meant to be factually accurate, sort of like a historical record that creditors can look at for a snapshot of your use of credit cards and loans. Practical Suggestion for Tax Refund: Pay off Credit Card Debt! January 9, 2018.Tax Season Countdown All Over Again June 30, 2020.Payroll Tax Deferral: Is It Worth It? September 11, 2020.How Biden & Trump Tax Policies Compare October 2, 2020.Paying Down Student Loans Before the COVID Suspension Is Lifted October 28, 2020.Google Is the Latest Company to Offer Student Loan Repayment Benefits November 3, 2020.

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