Understanding a Credit Report— Help from DCC Information Name, along with any adjustments (ie maiden name) Social Security Number Date of Birth Current Address (as well as any previous addresses) Employment Information Credit Accounts (including all accounts with activity in last seven years) All Credit History Public Records (including any judgments, collection accounts, liens or bankruptcies) Inquiries (any inquiries done on your credit file, including promotional, personal and requested inquiries) How Credit Reports Help Consumers The Key to Understanding a Credit Report and Help Getting Good Credit Again     A consumer credit report contains all of a consumer's credit information in one place where it is easily accessible to lenders. When a consumer completes an application for credit, a lender can pull their credit report and see all the history of that consumer's credit. This will help them to make their decision as to whether or not to extend credit to that individual. By having this easy access, lenders are able to make a decision, based on facts, substantially quicker. This in turn allows them to save on their costs and also pass that savings onto their clients. That Is Included In Your Consumer Credit Report