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Credit Report Contents

Your Credit Report Contains personal information about many aspects of your life, such as:

Your date of birth

Social security number

Current, closed and delinquent accounts

Account numbers and type of account

Amount owed and payment history

Date opened and all activity

Current and previous residence

Employment history

Inquiries made by companies

Salary information over $75,000

Life insurance amounts of $150,000 and higher

Plus all lawsuits, foreclosures, bankruptcies, tax and property liens, judgments, charge-Offs and overdue child Support (in some states)

Your credit report does not contain any of the following information

Race

Religion

Personal Assets

Criminal Records

Medical History

Personal Lifestyle

Political Preferences

How long will information stay in your credit report?

Open credit accounts, in good standing, can remain on your credit bureau report indefinitely. Negative, derogatory or delinquent account information can remain on your credit report for seven years. Inquiries can remain on your credit report for up to two years.

A Chapter 7 bankruptcy can remain on your credit report for ten years from the date of filing, regardless if it was dismissed or if it was discharged, and a chapter 13 bankruptcy can remain on your credit report for seven years.

Credit Report Tip

Your credit report does not contain your personal medical history. But, the Medical Information Bureau (MIB) has a report that does, if you applied for life, health, or disability insurance during the preceding seven years. Please note that a group policy may not apply, but an individual policy does.

Financial Directory

CCFCofAmerica.com is in the process of completing a free financial services directory.

Once completed, you will have access to all of the following financial service providers:
-Credit Counseling
-Debt Consolidation
-Debt Settlement
-Credit Report Service
-Credit Repair Service
-Loan Officers
-Mortgage Companies
-Insurance Services
-Financial Planners
-Foreclosure Advisers
-Auto Loan Companies
-Bankruptcy Attorneys
-Plus more!