Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.
‡ Stolen Funds Reimbursement benefits and Service Guarantee benefits for State of New York members are provided under a Master Insurance Policy underwritten by State National Insurance Company.
We’ve already discussed what IS included in your credit report, and while one could infer that any omissions from that list would amount to what is NOT included, we all still thirst for specifics.
Let’s therefore take a closer look at what you will not find in your credit reports from Experian, Equifax, and Trans Union.
That’s partly due to the fact that credit reporting agencies are actually prohibited from tracking certain types of information by federal law, as you’ll see below.
Overall, the types of information not included in your credit report can be grouped into the following categories: The information in your credit reports is used in myriad ways by a wide range of companies – from banks and other lenders to Fortune 500 companies – but the most notable credit report derivative is the credit score.
With full access to your credit history from each bureau, you’ll have a complete, comprehensive look at your credit activity.