A credit bureau collects information from various sources and provides credit information on individual consumers' creditworthiness. There are three main credit bureaus: Equifax, Experian and Transunion. Each has its own type of credit report. That's essentially important to find out the peculiarities of each agency's report.

An Equifax credit report contains 5 main sections.

The first section contains your personal information. It is printed on the top of the report. Your personal information includes your full name, your address (current and previous) and your employer (current and two previous). The employer information is the name and addresses of the three employers in question, as well as your job position and title.

The second section the public record section that contains your tax liens, bankruptcies and civil judgments.

The third section focuses on the negative items such as collections, defaulted loans, charge-offs, foreclosures, and repossessions if any.

The forth is the trade lines section that includes payment history, high credit limits and credit balances for your current accounts, as well as accounts that have been closed in good standing. This is a very positive piece of information on your credit report, so there's no need to have such information removed.

The final section is the credit inquiries section in which you can find the information on your credit inquiries over the past 2 years.

You can make special requests or statements regarding your Equifax credit history report. For example, a request to companies to contact you prior to an inquiry into your credit is conducted.

This information is printed at the end of the report.

Every sensible individual, nowadays, should realize the importance of monitoring his credit history. If you discovered any inaccurate information or fraud in your credit report, notify the credit bureau as soon as possible.

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