A credit file includes the following information:
Full name and alias, social security number, address, marital status
Employer name and address, annual salary
Payment history that includes the names of your creditors and the kinds of credit you are using and how you are repaying have paid on time.
Inquirers of your credit file in the last six months, and employers who have requested your report for employment purposes in the last two years. Bankruptcies and foreclosure details are included.