CRN Nevada

Low Credit Score


This is an area where I constantly receive questions from consumers. I thought it might be helpful to provide some detail about what is included—I will do a separate blog that will discuss what is not included in your reports as well.

Here is a list of the types of information typically included on consumer credit reports.

  1. Personal Information: This includes your name, address, Social Security number, and date of birth.
  2. Credit Accounts: Your credit report lists all of your credit accounts, including credit cards, loans, and mortgages. It includes the type of account, the date it was opened, the credit limit or loan amount, the current balance, and payment history.
  3. Payment History: Your credit report shows whether you’ve made your payments on time or if you’ve been late. It may also include information on any missed payments, collections, bankruptcies, or foreclosures.
  4. Credit Inquiries: Your credit report lists any inquiries made into your credit history by lenders, credit card companies, or other organizations.
  5. Public Records: A consumer credit report will only include a bankruptcy, tax liens no longer show up on consumer reports. It is worth noting that consumers will still see tax liens from the IRS and various municipalities when a mortgage report is accessed. These items will also show up when applying for a business loan. They are generated by a different source (like Lexis Nexis) and they are pulled directly from the courts.  .
  6. Credit Scores: Your credit report may include your credit scores, which are numerical representations of your creditworthiness based on the information in your credit report. We will have a blog post shortly about the makeup of your credit score.


It’s important to regularly review your credit reports from all three credit bureaus (Equifax, Experian, and TransUnion) to make sure the information is accurate and up-to-date. You can request a free copy of your credit report from each of the bureaus once a year at

You may also use the CREDIT REPORT link at the top of our website to access your 3 bureau report from Identity IQ and book an appointment with me to review your report to verify accuracy and consider a strategy if you have negative items which are plaguing you.

About Harry Jacobs:

Harry Jacobs is the Founder of Credit Restoration of Nevada. He is widely regarded as one of the experts in the field of credit, credit repair and credit restoration. His knowledge of Fair Debt Collection Practices and the Fair Credit Reporting Act make him a tremendous resource for consumers and consumer law firms.