Glossary

Personal Information (on Credit Report)

The name/address/employment data on a credit report — frequently a source of mixed-file errors.

The personal information section of a credit report includes: legal name, current and past addresses, SSN (last 4), date of birth, current and past employment. Errors signal mixed-file problems — when two consumers' credit data has been merged.

Disputable: old addresses you never lived at, employers you never worked for, name variations that don't belong to you.

Also called

personal info

Related terms

FCRA §611

FCRA §611(a)(1) requires bureaus to investigate disputed items within 30 days. The bedrock dispute provision.

Credit Bureau

Equifax, Experian, or TransUnion — the three nationwide consumer credit reporting agencies.

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