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Report Advice

Your credit report is a snapshot of your credit history that contains information about how much debt you have, how much credit is available to you, and whether or not you make your payments on time. It also contains identifying information and public records, including liens and bankruptcies. Credit reports are used by lenders to make decisions about creditworthiness.

What is Included in a Credit Report?

  • 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

What is revolving credit?

December 1, 2016

Dear Experian, What is a revolving account? – ABP Dear ABP, The term “revolving credit” or “revolving account” refers to an account on your credit report that has a...

How long will my medical bills remain on my credit report?

November 17, 2016

Dear Experian, I paid off a $47 medical bill I didn’t know about in May 2016. I just saw it’s still on my credit report. I contacted the collection...

What is a debt validation letter? How do I know if I need one?

November 15, 2016

Dear Experian, I sent a debt validation letter to a collection agency and it’s been over 30 days and still I haven’t received a response. How long do I...

How Does Credit Repair Work?

November 3, 2016

Dear Experian, How do I begin repairing my credit history? How does credit repair work? – BLR Dear BLR, What is Credit Repair? When people mention credit repair, they...

Can a Paid Charged Off Account be Removed from the Report?

October 27, 2016

Dear Experian, What is needed to remove a charge off from your credit report if you pay the disputed amount? – HWM Dear HWM, Charged Off Accounts Not Removed...

Can I Dispute Information Without Getting a Report from Experian?

October 13, 2016

Dear Experian, I have recently obtained my credit report from my bank and do not need one from Experian. How can I go about disputing an incorrect item on...

Can judgments included in bankruptcy be deleted?

August 25, 2016

Dear Experian, There is a judgment appearing on my credit report that was included in my bankruptcy. Will it be deleted? – JMV Dear JMV, When judgments included in...

Pay for Delete: Is it a Good Idea?

August 18, 2016

Dear Experian, If I pay a collection debt, and the collection company says they will delete it from my credit report, does that completely remove all negative information regarding...

How Long Do Settled Accounts Stay on a Credit Report?

August 11, 2016

Dear Experian, I settled and closed a delinquent account almost five years ago and the creditor is still reporting. How can they do that if the account is closed?...

Defining Charged Off, Written Off, and Transferred

July 18, 2016

Dear Experian, What are the definitions of charged off, written off and transferred? - CPL

NSF Checks on a Credit Report

July 17, 2016

Dear Experian, How long do non-sufficient funds checks (NSF's) stay on your credit report? - LLS

Potentially Negative Items Listed on Credit Report

July 17, 2016

Dear Experian, How can I get my credit score up? It seems to keep going down, and I have paid almost everything off. Also, if an account is paid in...