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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

The Effects of Charging Over Your Credit Card Limit

May 19, 2016

Dear Experian, I was surprised to see my credit card was reported over the limit by $19 within five days of the charge occurring. Even though it was paid...

Credit Counseling vs. Debt Settlement

December 7, 2015

Dear Experian, What is difference between credit counseling and debt settlement? - CKB

How to Remove an Incorrect Address from Your Credit Report

September 30, 2015

Dear Experian, An address for my bankruptcy lawyer suddenly appeared on my credit report as a single family residence and you won`t let me remove it. It says to contact...

Dealership Pulled Copy of Credit Report in Error

August 24, 2015

Dear Experian, I recently found out that a car dealership pulled a hard inquiry on my credit without my consent. I also had a password protected account with them. The...

Updating Credit Report to Show Lien Released

August 14, 2015

Dear Experian, How do I amend my credit report to show that a federal tax lien has been released? - CCF

Remove Incorrect Employment Information from Credit Report

July 31, 2015

Dear Experian, There is a previous employer listed in my credit report that I have never heard of nor worked for. How might this impact my credit rating, and how...

The Effects of Disputing Charges on a Credit Card

July 24, 2015

Dear Experian, Will disputing a charge on my credit card affect my credit? Can the company with which I am in dispute give me a bad credit report? My phone...

Credit Report is Mixed with a Family Member’s

May 4, 2015

Dear Experian, It appears that my credit report is being mixed with my cousin’s. I have requested a copy of the report by mail, but received a letter that the...

Does Getting Declined Affect Your Credit

April 27, 2015

Dear Experian, I have requested a credit line increase from my credit card company three times, and have been declined each time. Does this affect my credit history? - GSR

Updating an Account to Show “Paid in Full”

April 9, 2015

Dear Experian, I traded in a car and the dealership paid the remainder of the account balance. When will the account show on my credit report as paid in...

Credit Accounts May Not Appear on Credit Report

April 9, 2015

Dear Experian, Why does my good credit not show on my credit report? - WRB

What Does “Key Derogatory” Mean?

April 7, 2015

Dear Experian, What does “KD” mean, and how long does it stay on your record before being deleted? - BBN