Question

Which information can be found on a person’s credit report? Check all that apply.
an unpaid utility bill that has been given to a collection agency
the person’s credit rating
the person’s yearly income
the person’s social security number
an inquiry from a bank that requested the person’s credit report
the person’s education level

Answer 1

Apply:
- an unpaid utility bill that has been given to a collection agency — Yes. Collection accounts appear on credit reports.
- the person’s credit rating — No (the credit report contains the data used to calculate a score; the score itself is separate and not always part of the report).
- the person’s yearly income — No. Income is not included in the credit report.
- the person’s social security number — Yes. Identifying information (including SSN) is part of the report.
- an inquiry from a bank that requested the person’s credit report — Yes. Hard (and some soft) inquiries appear on the report.
- the person’s education level — No. Education level is not included.