Do you ever feel like your credit reports know too much about your spending habits and spending patterns? You're not alone.
Credit reports may reveal more than you'd like - and give you that strange uneasy feeling that you're being spied by Uncle Sam, but the reality is, credit reports don't see all.
Of course, it's hard not to question whether all your information is being revealed - when credit reports seem to know just about all things personal - name, address, social security, and birth date; but you still have some personal secrets.
Read on to find out the seven secrets you still have the power to keep hidden from lenders and banks that pull your credit history report.
One thing a credit report will not show is your salary or yearly income.
In the past, salaries have been revealed but were discontinued due to highly dubious content and the figures came from the consumers themselves, so they were not validated or objective.
Too many variables led to salaries being omitted entirely from credit reports.
Furthermore, a person's salary cannot truly represent one's credit-worthiness, or speak towards the accurate measure of one's credit.
Such things as unemployment benefits, public assistance, government assistance, or child support fees are also not reported.
Similarly, don't expect lenders or bank officials checking your credit history to see your employment status.
Your job titles, dates of employment are kept private, unless the rare situation in which you applied for credit and listed your past employers on the application.
Third, when you get married, don't expect your credit scores to merge onto the same report.
Marriage does not mean one joint credit file representing two parties and two histories combined.
The lender will only see your individual credit history, along with the corresponding debts and loans on your separate file, not your spouse's too.
The names of other people and your relationships with them are not shown on joint accounts either.
Fourth, perhaps one of the most speculated things that people fear will be shown on their credit history is their criminal past.
Thankfully, arrests, mishaps with authorities, and other criminal conduct misdemeanors will not affect your credit.
The only exception to this is if your mishap with the authorities was a result of financial misconduct, child support payment debts, or if you fail to pay for certain fines and tickets.
Fifth, in terms of debt, your medical debts are also protected via the Fair Credit Reporting Act, which prohibits listing any kind of medical debt, to protect your medical privacy.
The report only lists the item as medical debt, and nothing further in detail.
The last two items that are hidden in your credit report are transactions like payday loans, car title loans, and reloadable debit cards.
These items are not credit.
Utility providers are also often not found in credit.
As you can see, personal loans that you pay off will not become a part of your credit history.
So, once in a while, if you need a personal loan to pay some bills, it will not negatively affect your credit.