California Private Investigator Practice Exam

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What type of information is typically found in a credit report?

Only personal identification details
Employment history and financial accounts
Criminal record information
All public records

The correct answer is: Employment history and financial accounts

A credit report is a comprehensive document that provides insights into an individual's financial behavior and creditworthiness. It typically includes information such as the person's employment history, credit accounts, payment history, credit limits, balances owed, and any collected debts. This information helps creditors evaluate the risk of lending money or extending credit to the individual. Having details about employment history and financial accounts is crucial for lenders when assessing potential borrowers. Employment history can indicate job stability, while financial accounts show how well the individual manages credit and payments. Therefore, this option accurately represents what is commonly included in a credit report. While personal identification details and public records may be present in a credit report, they do not encapsulate its core focus. Additionally, information pertaining specifically to criminal records is not a standard part of credit reports, as these documents are primarily concerned with credit and financial behavior.