Blog » Credit Info

Credit Info

Your credit information contains records about you that lenders often consider when making decisions about your creditworthiness. Whether you’ve known it or not, information about your credit activity has been collated and recorded by the credit bureaus for use in future credit decisions. When you know what your credit information contains – and how it should look – you can begin to see how your actions play a role in your credit information.

What Types of Information are Included?

  • Identifying Information: your full name and any variations you’ve used, current and past addresses, your Social Security number, employer information, and (if applicable) your spouse’s name
  • Public Records: including bankruptcies, tax liens, and civil judgments
  • Debts and Payment History: debts you currently owe, such as mortgages, credit cards, and auto loans, and your payment history for those accounts
  • Recent Inquiries: a list of anyone who has recently inquired about your credit history

Getting Better at Credit: Emergency Funds

April 20, 2017

How can an emergency fund help protect the health of your credit? Learn more about how it can help you protect the credit you're working to improve.

Can Credit Help Improve Your Everyday Life?

April 12, 2017

Discover why your use of credit today can help prepare your finances for the big purchases in your future, and how your credit activities play a role.

Quiz: How’s Your Relationship With Credit?

February 9, 2017

In any long-term relationship, it takes attention and effort to keep things going strong. Does your relationship with your credit make the grade?

Synthetic Identity Theft: Can You Spot its Risk Factors?

October 7, 2016

Synthetic identity theft is harder to combat. Find out what you should be doing to protect your information.

How Often is My FICO® 8 Score Updated?

September 27, 2016

Credit scores are living things that change according to your behaviors. Surprised? They reflect your credit behaviors throughout your life.

Can a Late Mobile Phone Payment Hurt My Credit?

August 9, 2016

A missed mobile phone bill is considered a form of debt in your credit history. Discover how much these accounts can affect your credit.

What Are My Options For Student Loans?

August 5, 2016

If you’re considering attending a college, you may be wondering if you can get student loans without a credit history. Experian can help you learn how.

The FICO® Score Powered by Experian and You: Understanding Key Factors

July 29, 2016

When it comes to your credit scores, knowledge is power! Be an expert on the key factors of your FICO Score powered by Experian.

Quiz: What’s Your Credit Personality?

June 8, 2016

You know that credit has the power to change your life. But what you choose to do with that information determines if it’s power that you’ll hold onto.

Infographic: The Military – Credit and Your Future

May 25, 2016

When you’re a servicemember, your financial life has to plan for some unique challenges and special circumstances that relocation and redeployment can bring.

Saluting Your Service: A Servicemembers’ Guide to Credit

May 19, 2016

The brave men and women of the United States military regularly conquer seemingly impossible challenges. Across land and sea, your courage, strategic skill, and fortitude are routinely tested whenever...

Industry-Specific Credit Scoring Models: What Can They Do For You?

May 19, 2016

Just as there are many credit scoring models available to lenders looking to explore your credit, there are options available to you, too.

How to Improve My Credit Score

May 19, 2016

Are your credit scores in need of a makeover? Attempting to better your credit scores is a positive step. Unfortunately, it may not always to be possible to see...

Infographic: Why Did My Credit Score Drop?

March 28, 2016

While it’s never good news to discover that your credit scores have dipped, there are a few good questions that you can start by asking to help discover the...

Credit Education

Credit Cards & Loans

Get credit cards and loans from our trusted network of partners. See credit offers based on your credit when you sign up for free.

Browse Credit Cards & Loans

7 Things You Need to Know Before Freezing Your Credit

Thinking about freezing your credit? Find out the seven things you should consider before taking any action.