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Report Details

Your credit report contains details about your financial life and credit history. It helps lenders understand how you manage credit.

What’s Included in a Credit Report?

Typically, a credit report will include:

  • Your name and any variations that might be associate with you, such as misspellings or a surname before marriage
  • Social Security number
  • Current and past addresses
  • Current and past employers
  • Names and addresses of current and past creditors
  • The payment status of your credit accounts
  • Public records such as tax liens, bankruptcies, or civil judgments

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...

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 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

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? -...

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.” -...

What Happens When You Pay Off Bad Credit

July 14, 2016

Dear Experian, When a piece of "bad" credit exists on my report, what happens if I pay it off? Is it automatically updated to "good" credit? Does it still reflect...