The first thing any lender wants to know is whether you've paid past credit accounts on time. This is one of the most important factors in a FICO® Score.
Payment information on many types of accounts:
Credit cards – such as Visa, MasterCard, American Express and Discover.
Retail accounts – credit from stores where you do business, such as department store credit cards.
Installment loans – loans where you make regular payment amounts, such as car loans and mortgage loans.
Finance company accounts.
Public record and collection items – reports of events such as bankruptcies, foreclosures, lawsuits, wage attachments, liens and judgments.
Details on late or missed payments (“delinquencies”) and public record and collection items.
The number of accounts that show no late payments.