Personal information
This section contains basic information about you: name, birth date, Social Security number, current and previous addresses and employer information. This information is not used to calculate your credit score but to verify your identity and confirm that the information you included in a credit application is accurate. This is also where a "consumer statement" may appear -- something you asked the agency to include in your report, perhaps to outline the circumstances of an event that appears on your report, such as why an account was paid late. While such a statement does not alter your credit score, it does provide additional information that may help a potential creditor reach a decision.