 TITLE: Does Your Income Appear on Your Credit Reports? CONTENT: What Is Included in Your Credit Report?\n---------------------------------------\nA credit report is a record of your history of managing and repaying debt. It's the basis for your credit scores, and one of the tools lenders and other companies use when deciding whether to do business with you and, if so, on what terms.\nCredit reports are maintained by three major national bureaus (Experian, TransUnion and Equifax) and compile information on how and when you pay your bills, how much debt you have and how long you have been managing credit accounts. More specifically, your credit report includes:\n*   **Personal information**: Your name, recent addresses, current and past employers, and names of anyone with whom you've jointly applied for credit.\n*   **Accounts**: Your open and closed loans and credit card accounts. (The length of time your accounts remain on your report depends on how you've managed them and other factors.)\n*   **Inquiries**: Companies' requests for your credit report or credit score, which remain on your credit report for two years.\n*   **Public records**: If you file for bankruptcy, the details will appear in this section of your credit report, where they will remain for seven or 10 years depending on the type of bankruptcy. END