What is included in a credit report?

A credit report is divided into four parts:
a)Personal information such as name, address, date of birth, social security number, and employers.
b)Credit history such as available credit, usage of credit, and frequency of on-time payments.
c)Credit inquiries (also called “pulling credit”) by a lender, service provider, etc.
d)Public records such as delinquencies, tax liens, and collections.

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