Credit Report

The credit reporting consists of one and possibly up to three (Experian, TransUnion and Equifax) credit reports.

The credit reports are the first and most basic type of reporting that assists in determining your credit history and the possibility of an error due to identity theft

Included in the credit report are an individual’s personal information, credit account information, bankruptcy, tax and other public sector information, information on inquires and various other information.

There are several instances where a person can receive a credit report at no cost. While this is helpful for those people able to avail themselves of the report, the inclusion of a credit report is considered standard in the design of an identity theft program.