Public records - Information about lawsuits to which you are a party, liens or legal claims on your property, bankruptcies, and past due child or spousal support.Balances and payment patterns for the last 24 to 36 months.Trade lines - Your history of handling credit:.Personal identification - Your name(s), your address(es), your employment history and marital status.You may request your score for a fee at the time of ordering the free reports if you choose to do so.Ī credit report is divided into four sections: Three major credit bureaus- Experian, TransUnion, and Equifax- once a year through Annual Credit. You have the right to receive a free credit report from each of the Understanding your credit report is a key part of financial planning.