The three major credit bureaus each have tollfree hot lines for information on ordering a copy of your credit report. Credit information such as bank accounts, accounts with retailers, credit card issuers and other lenders. Public record information such as state and county court records related to bankruptcies, tax liens or monetary judgments.
Some states list delinquent child support payments.
Inquiries from credit grantors and potential employers. Your credit report does not contain information about your race, religious and political preference, medical history, personal background, lifestyle or criminal background. Also, your credit report is not open to just anyone. The federal Fair Credit Reporting Act specifies that consumer credit information is only available to credit grantors, employers, insurance companies or in response to a court order or federal grand jury subpoena. A popular scam uses young people claiming to be college students in need of school money or kids at risk of getting into trouble.