What is Not Allowed on My Credit Report?
While your credit report may divulge a lot of information that you would not like shared with lenders, there is also information that can’t be reported to credit bureaus. Though the list isn’t extremely long, it may provide you a little be of comfort in knowing that not all of your information can be shared with the lenders.
What Can’t be Reported
Below is a list of the items that cannot be added to your credit report:
- Medical information. Your medical records cannot be added to your reports unless you give your consent to do so.
- Notice of bankruptcy. A notice of a Chapter 11 bankruptcy that is more than 10 years old falls onto the list of information that can’t be reported to credit bureaus.
- Old debts. Any debts that are older than 7 years old (including child support payment delinquencies) cannot be reported.
- Age. Your age is not allowed on your credit report if the request is coming from a current or prospective employer.
- Marital status. Whether you’re single, married, divorced or legally separated is not allowed on your report if going to an employer.
- Race. Your race is another piece of information that cannot be divulged if the requester is a current or prospective employer.
- Savings Information. How much money you hold in your bank accounts, or other financial accounts, cannot be included.
- Religion. Your religion or choice not to follow a specific religious faith is information that can’t be reported to credit bureaus.
So What is Allowed on Your Report?
Of course there are plenty of items that can be listed on your credit report. Some of these items include your current name and any variations, your current and previous addresses, telephone number, year and month of birth, SSN, and employment information. Also, any public records, including civil judgments, bankruptcies, and tax liens can be noted. And of course, your collection accounts, both in positive and negative standing are listed.
If for some reason you find some information that can’t be reported to credit bureaus on your credit report, it’s important that you take immediate steps to contact both the bureau and collection agency to have the information investigated, and if possible, removed.
