In reality, there is actually no such thing as a "full credit report." Any credit report is just a summary of a portion of your credit file.
Your complete credit file is recorded in code under what is called the Metro 2 coding, and is undecipherable to a consumer. Your credit file also includes many, many items of informatin that are never included in any credit report, such as the back and forth communications between the CRA and furnishers of information generated during the dispute process, and certifications of purpose of a permissible credit inquiry. It has dozens and dozens of reporting fields, such as ECOA codes, payment rating codes, full contact information, and then dozens of codes under each field. One prominent ommision from almost all credit reports is the actual DOFD reported when an account is referred for collection or charged-off.
In my review of my credit reports, I have found the credit reports available through the government-sanctioned annualcreditreport.com site to be by far the most comprehensive. But still never a full report of your credit file.
