- What type of
information do credit bureaus collect and sell?
-
- Credit Bureaus
collect and sell four basic types of information. Identification and
employment information Your name, birth date, Social Security number,
employer, and spouse's name are routinely noted. The CRA also may provide
information about your employment history, home ownership, income, and
previous address, if a creditor requests this type of information.
Payment
history
Your
accounts with different creditors are listed, showing how much credit has been
extended and whether you've paid on time. Related events, such as referral of
an overdue account to a collection agency, may also be noted.
Inquiries
CRAs must
maintain a record of all creditors who have asked for your credit history
within the past year, and a record of those persons or businesses requesting
your credit history for employment purposes for the past two years.
Public record
information
Events
that are a matter of public record, such as bankruptcies, foreclosures, or tax
liens, may appear in your report.
Mortgages
Hard money lenders specializing in loans for those in foreclosure and/or
bankruptcy
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