The basic facts—name, address, and Social Security number.
When he applied for a mortgage, the lender didn't look at Alex’s personality; they looked at his creditworthiness. Because Alex had consistently paid his bills on time , his report sang a song of reliability. This "positive information" could stay on his report for up to twenty years , opening doors to lower interest rates and better loan terms. The Hidden Saboteur credit-reports-online
A log of every credit card, student loan, and car payment Alex ever touched. The basic facts—name, address, and Social Security number
A list of every time a lender "peeked" at Alex’s history when he applied for something new. This "positive information" could stay on his report
The report's job was to record four main chapters of Alex's life:
What is a credit report? | Consumer Financial Protection Bureau