 TITLE: What to Know About Unemployment and Your Credit Report CONTENT: What Personal Information Does Your Credit Report Include?\n----------------------------------------------------------\nTo alleviate some of the stress you might be feeling about your employment status and its effect on your credit, it helps to understand what your credit report contains. Here's what you can expect to see:\n*   **Identifying data**: Your credit report includes your name, as well as any other names you've used; current and former addresses; Social Security number; phone numbers; and employers, if you noted them on applications for credit cards or loans in the past.  \n    Creditors don't use employment history on your credit report when determining whether to work with you. They might cross-check that information against data you've included on your application for a loan or credit card to verify your identity.\n*   **Account history**: All the credit cards and loans you've had will be listed on your credit report, along with their balances, when you got them, your payment history and the account's standing, such as whether it's current, closed or past due.\n*   **Public records**: Bankruptcy is the only public record that appears on your credit report. A Chapter 13 bankruptcy will be listed for seven years, while a Chapter 7 bankruptcy will appear for 10 years.\nYour income level, marital status and bank balances are not included on your credit report. END