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Information in a credit report
To get all of the information in your credit report, you must order a report directly from Experian. The federal Fair Credit Reporting Act prohibits sending everything to lenders, so the report you get directly from Experian includes everything the lender gets plus some additional information.
The report you get directly from Experian, the consumer disclosure, includes the following information not received by creditors:
Inquiries resulting from your request for the report, from reports obtained for employment purposes, and from creditors' review of your credit history to make preapproved credit offers or to monitor existing accounts you have with them.
Dates indicating when negative information will be removed from your credit history.
Information for contacting Experian consumer assistance representatives.
Notices of your consumer rights as specified in both federal and state laws as they apply to where you live.
You also receive the same information sent to your creditors, including:
A summary of your accounts and their status.
Individual account information.
Inquiries resulting from your application for credit, housing, or insurance.
Identification information including your name, nicknames you have used to apply for credit, your Social Security number and any variations reported to Experian, addresses reported to Experian, and date of birth.
Experian has listened very carefully to consumer questions about our credit report, and we have tried to respond to those questions with a new, easy-to-read and complete disclosure. This consumer version is available only through the Experian National Consumer Assistance Center. To order your report, call 1 888 EXPERIAN (1 888 397 3742).
Often, companies will pay for a risk score the may be provided with the report. You can find more about risk scores in another FAQ response and in previous Ask Max columns.
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