Credidt*report -

: Legal filings such as bankruptcies. Note that while tax liens were previously common, many bureaus have reduced their reporting of these.

: Information from collection agencies regarding unpaid or past-due debts. Maintaining a Healthy Report credidt*report

: Your name, current and former addresses, date of birth, Social Security number, and employment history. : Legal filings such as bankruptcies

Building and protecting your credit is a long-term process. Experts recommend several key habits: Understand, get, and improve your credit score | USAGov current and former addresses