• Identifying information — Social Security number, date of birth, employment information (these facts are not determining factors in credit scoring)
  • A list of debts — how many credit lines have been opened and closed, types of credit lines, a history of how you’ve paid them, loan limits, and current balances
  • Public record information — bills referred to collection agencies, bankruptcies, foreclosures, suits, liens, etc.
  • Inquiries made about your creditworthiness during the last two years — voluntary and involuntary inquiries.