Identity, employment, credit history, and public record information are included in one's credit file.
Factual information consists of credit experiences with specific credit grantors.
Credit grantors, collectors, and insurance underwriters may request credit information. A credit report is provided for the use of credit granting decisions, to review collection accounts, employment considerations, or for insurance underwriting. The credit grantor, by law, must inform you of the credit denial. With proper identification, you may review your credit history. Requesting a reinvestigation or adding an explanation to a disputed account may assist in correcting credit files.