What information is NOT included in a free annual credit report?

A free annual credit report, as mandated by the Fair Credit Reporting Act (FCRA), is a comprehensive summary of an individual's credit history. This report provides a detailed account of various factors that affect an individual's creditworthiness, including public records, account payment history, and a list of all creditors.

However, it is important to note that a free annual credit report does not include a credit score. While the report gives insight into the data that contributes to a credit score, such as payment history and lending accounts, it does not provide the actual numeric score itself. Consumers can typically obtain their credit score for a fee or through certain services, but it is distinct from the report itself. This separation exists to keep the annual credit report focused on the underlying credit information without conveying the actual score, which can vary depending on the scoring model used by different credit bureaus.