Many people run their personal credit reports for their own records. Employers will often run a credit check on job applicants, and landlords do so for new tenants. The three major credit bureaus, Equifax, Experian and TransUnion, require specific personal information in order to perform a credit check.
Social Security Number
Your Social Security number is the information credit bureaus use to identify you. Every credit application requires a Social Security number. Creditors and utility companies report all accounts open under your Social Security number to one or all of the three credit reporting bureaus.
Current Address
You must have a current address in order for a credit bureau to run a credit check. If you have been at your current address for less than two years, you must provide your previous address as well.
Other Identifying Information
You also must submit a date of birth and full name to run a credit check. If you are a landlord running a credit check on potential renters who are hesitant to give out their Social Security numbers, often a date of birth and full name is sufficient.
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