The CONSUMER INFORMATION section contains information about your name, addresses,
Q Date reported: The date the information was first reported to the bureau by your creditors.
Q Last updated: The date the information was last updated with the bureau by your creditors.
The CONSUMER STATEMENT section contains a personal comment that you have
submitted to the credit bureaus for inclusion in your report.
The SUMMARY INFORMATION section contains a list of your payment history---broken down
by account type.
The five types of accounts are---
Q Real Estate: Primary and secondary mortgages on your home.
Q Revolving: Accounts comprised of opened terms with varying payments, such as a credit
Q Installment: Accounts comprised of fixed terms with regular payments, such as a car loan.
Q Other: Accounts in which the exact category is unknown. This could include 30-day
accounts, such as an American Express® account.
Q Collection: Accounts seriously past due including accounts assigned to an attorney,
a collection agency, or a credit grantor's internal collection department.
The summary includes the following information for each of the five types of accounts---
Q Count: Total number of accounts you have in the given category.
Q Balance: Total amount you owe on all accounts in the category.
Q Payment: Total monthly payments you must make on all accounts in the category.
Q Current: Number of accounts in the category that are properly paid.
Q Delinquent: Number of accounts in the category for which payments are past due.
Q Derogatory: Number of accounts in the category that negatively impact your credit rating.
Q Unknown: Number of accounts in the category whose condition was not reported by the
This section also summarizes your open accounts, closed accounts, public records,
Q Open/Closed Accounts: A total number of all accounts that are either open or closed.
Q Public Records: A count of any public records in your name, and the total amount of