What is a credit file? This question is about Credit Reports

What is a credit file?

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This question is about Credit Reports

Lauren Smith, WalletHub Staff Writer

@laurenellesmith • 02/22/23 This answer was first published on 02/22/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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A credit file is all the information about a person in a credit bureau’s database, including details like their name, their SSN, hard inquiries, account information, payment history and certain public records like bankruptcies. Credit files are used to create credit reports, which present the data in an organized format.

Your entire credit file is never delivered to anyone. Only certain information is sent to entities who request your credit report for a permissible purpose.

You can learn more about what’s included on your credit report and check your credit report for free here at WalletHub.

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What is in a credit file?

Is a credit file the same as a credit report?

How do I get my credit report file?

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