What isn’t listed on a credit report

Because credit reports are extremely comprehensive, consumers may feel like all their personal information is out in the open. But as Bankrate.com illustrates, this is not the case.

For example, among the things creditors cannot see is a borrower's salary. John Ulzheimer, president of consumer education for SmartCredit.com, told the news source this information hasn't been listed on credit reports for the past 20 years, and for good reason.

"Income really isn't a measure of creditworthiness," said Ulzheimer. "It's a measure of capacity."

Another factor that is not listed on a credit report is whether they are currently employed.Jennifer Costello, director of public relations for the credit bureau Equifax, said the only thing related to a consumer's employment background on a report is the last company they worked for. It does not detail when they worked there or for how long.

Other details not on a report are the credit history of the borrower's spouse, unless the consumer is listed as an authorized user on another's accounts, or whether any particular listing was included because of a medical problem.

All other payment obligations are listed. However, some debts may have been put there mistakenly. A credit company may be able to spot these flawed notations and apply the proper solution.