Whether you’re applying for long term financing to purchase an investment property or need a short term loan from a private lender, in both instances your credit report will be reviewed. Different lenders and different loan programs may have credit reports and investing in real estatevarying credit standards but credit evaluation is a key component for any loan.

Your credit report includes your payment history, available credit and your credit scores but your credit report also contains some interesting items that really don’t affect your credit score whatsoever but is included in our file nonetheless.

Your credit report includes your personal information such as your name and social security number, identifying you. There is also a list of name variations listed that you may have used over the years. For instance, if your name is Robert Smith, you may have used Bobby Smith, Bob Smith or Rob Smith. Sometimes even nicknames are listed.

You know that your name appears but your report also lists where you’ve lived over the years. Long lost and forgotten addresses appear on your credit report regardless of your length of stay there. You might be surprised to find an address for an apartment you lived in long ago. Where you’ve lived doesn’t affect your credit score, but your postal trail is documented.

Do you remember the different places you’ve worked? If not, a copy of your credit report will jog your memory for you.  Most everyone’s current and previous employers might show up on a credit report. Some employers routinely run a credit report on a prospective employee or the individual lists an employer when applying for a loan. This information can ultimately land in a credit file.

This innocuous collection of information won’t approve or deny a loan application, but it can be used to validate your identity by a prospective lender or even identify potential identity theft. Making a late payment will hurt your credit score, misspelling your name won’t.