7 secrets your credit report won't reveal

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Your net worth
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Your net worth © Doruk Sikman/

Your net worth

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

Assets you own outright aren't included in the report.

That means it doesn'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."

The value of your home or home equity is also not on your report, says Ulzheimer.

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

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