What type of information is not found on a consumer's credit report?

What type of information is not found on a consumer's credit report?

• A. Employment history
• B. Personal medical information
• C. Credit account details
• D. Payment history

Answer: (B)

A consumer's credit report is a detailed record of an individual's credit history and financial behavior that is used by lenders to assess creditworthiness. It typically includes information such as employment history, credit account details, and payment history. However, it does not include personal medical information, which is protected by privacy laws such as the Health Insurance Portability and Accountability Act (HIPAA). This means that medical information is kept confidential and is not relevant to a person's credit standing, making it unusual to find such details included in credit reports. This distinction is crucial for maintaining consumer privacy and securing sensitive health information from public or financial scrutiny.

A consumer's credit report is a detailed record of an individual's credit history and financial behavior that is used by lenders to assess creditworthiness. It typically includes information such as employment history, credit account details, and payment history. However, it does not include personal medical information, which is protected by privacy laws such as the Health Insurance Portability and Accountability Act (HIPAA). This means that medical information is kept confidential and is not relevant to a person's credit standing, making it unusual to find such details included in credit reports. This distinction is crucial for maintaining consumer privacy and securing sensitive health information from public or financial scrutiny.