Key elements of a credit report
Your name, address, phone number, date of birth, Social Security number, and employment history.
Your credit history, including student loans, mortgages, credit cards, and the amount of credit that’s available to you from all of these sources.
Information on your payments, including whether or not you’ve made them on time.
Public record information
Any publicly available reports on delinquent accounts, liens, bankruptcies, and lawsuits (a public record can remain on your credit report for a number of years, depending on the type of account).
People or companies who have requested your credit report over the past two years and the date they requested it (businesses need a legitimate reason to access your report).