Should medical bills show up? Only if medical bills have gone to a collection agency, will they show up. Like all other bills, if they are paid on time they won't.
should late utility bills? Yes, if it is within the last 7 1/2 years.
should an 18 year old bankruptcy? No. The time frame is 7 1/2 years.
What should be on the report and what should not be on the report. Your credit history should be on the report. Your spouse's credit history, private medical information and anything else that doesn't affect credit should not be.
If there is something that should have dropped off and it has not, could the person pulling the report use that information against me. If you ask for your own credit report, you can have any errors corrected, so this should never be a problem. If you don't take that step, any person looking at the report will use the information provided.
What is my recourse against the credit reporting company giving out information that should have been dropped. This is actually a legal question that should be directed at your attorney. However, you can eliminate this possibility by taking a few minutes to every year to get copies of your credit report from each agency
How do I get the report corrected? Each of the three credit agencies has its own method, clearly explained when you get your credit report from them.