Please help me understand my credit report?

[truecolour]

Sorry I am really new to all this stuff and am trying to find out if I have any debt. But I don't quite understand it. Please could someone help? This is in brief what my credit report says. I got this report from annual credit report.com and this is everything that is on it. If this is everything that is on it does that mean it would show all the debt that I have or is annual credit report not a full list of any debt?

OK this is my full credit report. I have taken out private information ie company names etc.

No Potentially negative credit items appear on your report.

Credit Items: Select the account name to review details
Name of company is here
Account Number: ***********
DateOpened: ******
Status: Closed.

Type:
Revolving
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Not responsible

Credit Limit:
$4,000
High Balance:
$5,624
Recent Balance:
N/A
Recent Payment:
N/A

Account History:
90 days past due as of Mar 2007

Creditor's Statement:
Account closed at credit grantor's request


Item Detail

NAME OF COMPANY IS HERE

Status:
Paid,Closed/Never late.
Type:
Revolving
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Joint with (Ex spouse)

Credit Limit:
N/A
High Balance:
N/A
Recent Balance:
N/A
Recent Payment:
N/A

Your Statement:
Account closed at consumer's request

Item Detail

COMPANY NAME AND ADDRESS

Status:
Paid,Closed/Never late.

Date Opened:
2005
Date of Status:
2007
Reported Since:
2005
Last Reported Date:
2007

Type:
Revolving
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Joint with (Ex spouse)

Credit Limit:
$750
High Balance:
$750
Recent Balance:
N/A
Recent Payment:
N/A

Your Statement:
N/A

[rickmci]

If you want accurate credit report information. I would get my report dirrectly from the 3 main credit breaus. There are lots of services online that are not all that great. Go dirrctely to the 3 credit braeaus and request your report that way. That way you know exactly what your dealing with.