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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

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...

When Are Closed Accounts Deleted

July 17, 2016

Dear Experian, Will the closed account ever be removed from my credit report? - OWE

Tax ID Numbers Do Not Replace Social Security Numbers

July 17, 2016

Dear Experian, I do not have a Social Security number. Instead, I have an EIN number. Does the EIN number replace a Social Security number when placing a fraud alert? -...

Changing Your Name on Your Credit Report

July 17, 2016

Dear Experian, I have changed my name through naturalization. How can I change my name in my credit report? - SLY

Learn How to Read Your Credit Report

July 16, 2016

Dear Experian, Do you have online booklets explaining how you can read a credit report? - ECL

It Is Possible to Not Have a Credit Report

July 16, 2016

Dear Experian, Is it possible not to have a report? I am a resident since 2003! - NIC

Canadian Credit History Will Not Transfer to United States

July 15, 2016

Dear Experian, Will my Canadian credit history transfer to the USA? - ERS

Proportion of Balances to High Credit on Revolving Accounts

July 15, 2016

Dear Experian, Can you explain one of the factors for my credit score? The listed factor is “Proportion of balances to high credit on bank revolving or all revolving accounts.” -...

Credit Information is Updated Continuously

July 15, 2016

Dear Experian, How often is credit information updated? - CNA

Removing Account in Dispute Notation

July 14, 2016

Dear Experian, How can I get the wording "account in dispute" removed from my credit report? - ADH