7. Personal Information – Only What You Provide is Reported
Your credit report will list your full name, address, and date of birth – it’s vital that you check that this information is correct, especially if you have a common name. Sometimes your account details could be mixed up with another person with similar identifying points. In worst case scenarios, you could be a victim of identity theft.
Your credit report could contain employment information as well, which you provide when you apply for credit and are asked for your employment and salary details.
Your credit report won’t, however, list your gender, race, religion, citizenship, political affiliation, medical history, or criminal records (unless you were convicted of a crime related to your finances, e.g. bank fraud). It could list marital status if you applied for joint credit with your your spouse.
Personal information reported on your credit report will be information you provided to a lender at some point. The information can become outdated very quickly, e.g. if you move, get divorced, or switch employers.
