Types of Credit Reports

There are the two types of credit reports:

  • Consumer Version: Consumers are the only individuals who have access to this version. A consumer version of a credit report lists all inquiries, including promotional inquiries, account numbers, and account management inquiries.
  • Business Version: The business version is an abbreviated version of the consumer version. This is the credit report that lenders see. The business version does not contain promotional inquiries, account numbers, or account management inquiries.

Contents of a Credit Report

Consumer Credit Report Image

The following are the four primary categories of information contained in each type of credit report:

  • Personal Information
  • Credit History
  • Public Records
  • Inquiries