Types of Credit Reports

There are two main types of credit reports: consumer disclosure credit reports and regular credit reports. A consumer disclosure credit report includes all identifying, credit, and public information as well as some of the inquiry information in an individual's credit report. Federal law entitles an individual to receive a consumer disclosure credit report from Experian, Equifax, and TransUnion once every 12 months. A regular credit report includes most of the same information included in a consumer disclosure report, with the exception that it excludes information on certain inquiries that is only available to the consumer.