How do credit reporting companies get my information?
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Banks, credit unions, retail credit card issuers, auto lenders, mortgage lenders, debt collectors and others voluntarily send information to credit reporting companies.
Shared information includes:
- When you apply for an account
- When an account is opened
- The amount loaned or the credit limit
- The account balance
- The status of your payments
- If your account is in collection
Credit reporting companies also purchase public records like liens, bankruptcy filings, and court judgments from public records providers.