The four sections
- Identifying information — names, addresses, employers, SSN variations.
- Tradelines — every account, its limit, balance, status, and payment grid.
- Public records and collections.
- Inquiries — hard (scored) and soft (not scored).
What underwriters actually read
Recency of derogatories, utilization, and depth of history. A thin file with no derogatories can still be declined — which is why we build tradelines while we remove negatives.
The Bottom Line
Not sure what is on your file? Your free assessment includes a full three-bureau breakdown.