How does information get listed on my credit report?

Information can only be submitted by companies that subscribe to the credit bureaus.

Information comes from companies that you have established accounts with and from companies you have applied for credit with.

Scores are based on the following factors;

1. Payment history 35%

2. Time in bureau 15%

3. Types of credit 10%

4. New accounts 10%

5. Debt to credit ratio 30%

For the best score and profile you need 3 credit card accounts (revolving) with balances below 30% of your limit and 2 cars, boats, homes, computers, furniture or personal accounts (installment) all with good long pay history's.

Great question! It isn't determined by SSN given. It's usually companies that extend credit. So creditcards, auto loans, and even person to person loans like LendingClub report to the credit bureaus. Utilities don't and checking accounts don't because they are not credit extending entities. So when you apply for an apartment, they may pull your credit, but it's unlikely that they will report your performance to the credit bureaus.

That's the key, just because someone or some company wants to look at your credit doesn't mean that they will report performance back to the credit reporting agencies.

For example, if you don't pay (for whatever reason) your due to, lets say a credit card company, that credit card company will send you several warnings, then will send your infos to a credit company, and that's how it ends on your report.

Has to be a company that subscribes to the credit bureau.

It is provided mainly by creditors. "Just anyone" cannot list information.