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Consumer reporting agencies
Consumer reporting agencies (credit bureaus) may assemble credit reports but
must limit their content to factual information pertaining to past credit
experience (no subjective, investigative reports) Under the
FCRA, credit bureaus in the U.S. maintain four categories of personal data
in credit files.
·Personal
identification information (e.g., name, address, social security number).
·Open trade lines
(credit card accounts, auto loans and leases, first and second mortgage
accounts, personal loans, etc.) with data such as outstanding balance, credit
limit, date account opened, date of last activity, and payment history
·"Public record"
items related to the use of credit, including bankruptcies, accounts referred to
collection agencies, legal collection judgments and liens
·Inquiries on the
credit file, including date and identity of inquirer, for at least the previous
two years.
