The next time you apply for a credit card, loan or mortgage, the lender will likely request access to your credit report.
The information listed in your credit report summarizes how you manage credit, including payment history and account balances. This factors into the lender's understanding of how you manage financial products and whether they should extend credit to you or not.
Beyond understanding your qualification odds, another reason to know what information appears on your credit report is so you can spot fraud early. Incorrect information listed on your credit report can negatively affect your approval odds or reduce the chances you qualify for the best products and interest rates. But if you check your credit report for errors and dispute them, you can improve your credit history.
Below, CNBC Select reviews what information you can expect to see on your credit report, what's left off and why the information may vary between reports.
Credit reports include a variety of information about you and your accounts, inquiries and public records. You'll often find the following types of information on all of your credit reports, regardless of the bureau.
Credit reports include a lot of information, but they also leave off some personal and financial details. Here's what details you won't find on your credit report:
Note that the above information also doesn't impact your credit score. However, some details, such as your bank account history and income, may factor into a lender's decision for credit card, mortgage and loan applications.
When you check your credit reports with each bureau, the information listed may vary between reports. A side-by-side comparison may show more inquiries on one report versus another, or different balances listed. This can happen since creditors aren't required to report your account to any or all bureaus. However, most creditors report to at least one bureau.
For instance, a creditor may check your credit with Experian. This results in an inquiry on your Experian credit report, but may not appear on your Equifax or TransUnion reports.
Learn more: Keeping track of your credit report doesn't have to be a manual process if you sign up for a credit monitoring service. CNBC Select ranked the best free and paid credit monitoring services that automatically provide daily alerts for new information on your credit report, access to your credit score and more.