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nesses that sound unfamiliar, you should find out who they are and why they’re looking at your credit. However, the inquiries you make personally are considered to be “soft inquiries” that don’t negatively impact your credit standing.
PuCblirceRdeictorrd Infoformramtioantion BANKRUPTCY
The Creditor Information section lists the names of all creditors
Experian TransUnion Equifax
andTypeotential creditors thCahtaptaerp7pear onChayptoeru7r credit Crheap.o7rBta.nkT. he list Status Filed Filed Filed
includes both creditors that appear in your Account History section
Date File/Reported 08/1998 08/1998 08/1998
How Filed Individual Acct. Individual Individual Acct.
and creditors that appear in the Inquiry Section. Each creditor’s address
Reference # 10-11-15 10-11-15 10-11-15
is liCsltoesidng tDoatethe right of the 1c2/r1e5d/1i9t9o8 r’s nam12/e19.9W8 hen ava1i2la/1b5/l1e9,98the credi-
Court County Court County County Court
tor’s phone number is also listed. Creditors without listed numbers
Liability $50,000 $50,000 $50,000
Exempt Amount $ 1,000 $ 1,000 $ 1,000
must be contacted via the U.S. Postal Service.
Asset Amount $15,000 $15,000 $15,000 Remarks
Inquiry Information
Creditor Information
Creditor Name
Bank
Credit Card Company Credit Card Company Mortgage Lender
Date of Inquiry
01/02/2002 12/13/2001 12/05/2001 11/19/2001
Credit Bureau
TransUnion Equifax Experian Experian
Creditor Name
Bank Credit Card Bank Credit Card Auto Lender
Address
123 Main Street, Los Angeles, CA 333 Garden Street, New York, NY 000 Center Avenue, Houston, TX
Phone Number
800-000-1234 800-000-1234 Mail Only
Collection Accounts
You may also see a Collection Accounts section, which includes details on any accounts referred to collection agencies in the last seven years. The name of the collection agency will be listed, along with the amount you owe and, in some cases, their contact information. If a collection is listed on your report that doesn’t look familiar to you, contact the credit bureau and submit a dispute letter.
Sample Credit Report 25