They report how much you owe, what your monthly payment is, and how you are paying on your debts. They record any payments 30 or more days late. Other items that show on your credit report are liens, collections and judgements.
Public records are also on credit reports.
They consist of bankruptcy filings, tax liens and recorded judgements. It is recommended that you review your credit to determine its accuracy. The FCRA states that credit bureaus must respond to a consumer's inquiry and get an answer within 30 days. Any disputed accounts that are unresolved can be noted on your credit report. You can request that a consumer statement be added to your bureau.