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The information on credit reports includes more than just the expected credit information. To help prevent identify theft and fraud, other items are also on your credit report, such as your recent employment history and addresses. If things don't match with what you claim on an application, the creditor may question you on those things. The credit items found on a credit report include a listing of all creditors with whom you have an open line of credit, how much credit you have outstanding, your monthly payments and your payment history. Negative items, like collections and liens, may also be identified on your credit report.