Your net worth

A credit report is basically a list of all your current and recent past debts and obligations.

What's missing from the report: assets that you own outright.

Which means it can't include your net worth. That surprises some consumers, says Ulzheimer. "A lot of people think their net worth is on a credit report."

"There's nothing on a credit report that talks about how much money you have in the bank, the money you have in a brokerage account, your stock options" or any other assets, he says. "And if you own a piece of property free and clear, there's nothing on your credit report."

Also not on the report: the worth of your home or home equity, says Ulzheimer. "The value of your home is not on your credit report."

The only related item that you could see: your mortgage, plus any loans or liens you have on the property.