What exactly shows up on a credit report?

My mom has been thinking of buying a car from the dealer. I know they check your credit and was wondering what exactly shows up on a credit report and if they show you the stuff that shows up?

What exactly shows up on a credit report?
Many car dealers say they can tell a person's life story just by looking at their credit report, and it's true. It will show, first, your credit score, then your address and any past addresses. Then it will show any filed employment. It shows if you have any collections, settlements, judgements, bankruptcies, reposessions, child support negligence, or fraud activity right on top. Then in the main part it will list every single account you have had in the past years, up to 10 years depending on the status of the account. Things like cell phone bills and utility bills aren't normally on credit reports, but any car loans, credit cards, student loans, store cards, home loans, basically any type of loan or credit you've had in your life goes on that report. It will then show the status of that account and its rating per the loan institution, as well as how many times you've been 30,60, or 90 days or more late on your bill. It will tell if you have had a charge-off, settlement, account closed for whatever reason, and what your current balance and payoff are on those accounts. I would highly recommend your mom go to www.annualcreditreport.com. It's a website sponsored by the gov't that lets every american citizen see their credit reports (not including score, unless you want to pay for it) from all three credit bureaus for free, once a year. It's not like those other sites that make you sign up for credit monitoring for the "free" report. This is actually straight from the government to protect identity theft, but it will show you everything a car dealer will see, down to the account and whether you paid on time each and every month you had the account. It also allows you to easily file a dispute if you see anything that isn't right on there.
Reply:Anything that is less than 7 years old. And also it will show all the times that you have requested others to give you credit. Asking for credit from too many places will hurt your credit score. You can get a free credit report every year just look up on your computer under transunion. Most likely if you ask the dealership they will swow you. If you do not ask they likely won't...
Reply:Paypal buyer credit probably will.





Any time money is borrowed, that account should show up.
Reply:All credit will show up. On time payments, late payments, closed accounts etc. They usually do not show you the credit report. You can log onto annualcreditreport.com for free credit report.

lily