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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

Can I Remove Negative but Accurate Information from My Credit Report?

July 18, 2017

Dear Experian, I have a debt from a department store credit card. It was charged off a few months ago. I have the money to pay it now. I...

How Long Does It Take for a Repossession to Come off Your Credit?

July 13, 2017

Dear Experian, I am a graduate student with no income. I have a car payment that hasn't been paid in two months, and now they want to repossess it. I...

When Does the 7 Year Rule Begin For Delinquent Accounts?

June 13, 2017

Dear Experian, I had a 30-day late payment in April 2011 and one 90 days late in September of 2011. When would the seven-year rule start? April or September?...

Is My Credit Report Supposed to Show My Closed Accounts?

May 23, 2017

Dear Experian, Should closed and paid off accounts be taken off my report or does that not matter? – JOM Dear JOM, Even though an account is paid off...

How Can I Get Inquiries Deleted from My Report?

May 9, 2017

Dear Experian, I have 19 inquiries on my credit report from Experian. I have been declined for credit cards three to four times in the recent past. The reason...

What to Do If You Cannot Access Your Online Credit Report

April 25, 2017

Dear Experian, A friend of mine has been out of prison for five months and is trying to get his credit report. He has his identification card and Social...

How Can I Remove Incorrect Information From My Credit Report?

April 11, 2017

Dear Experian, I have an issue on my credit report that I believe came about when I traded my vehicle in for a new one. The creditor who held...

Should Closed Accounts Be Removed From My Credit Report?

March 28, 2017

Dear Experian, Can I get closed accounts with $0 balance removed from my credit report? – LLV Dear LLV, When you pay off and close an account, the creditor...

How Do I Find out Who I Owe Money To?

March 9, 2017

Dear Experian, How can I find out who I owe? I would like to know so that I can pay off my debt and clear up my credit. –...

Negotiating a Settlement Amount on an Account in Good Standing

February 28, 2017

Dear Experian, My mother offered to pay off my private student loans. The account is in good standing, but I am negotiating to pay an amount less than the...

How Long Does It Take to Repair Your Credit?

February 21, 2017

Dear Experian, How can I remove collections and late payments and repair my credit report? How long does it take? I would like to buy a house in four...

When Will a Paid Judgment Be Removed?

February 14, 2017

Dear Experian, I paid a civil judgment in full this year. Will that ever be off my credit report? It shows the amount owed is $0, but it still...

How to Find Your Social Security Number

January 24, 2017

Dear Experian, I want a replacement PIN for my security freeze. You asked me to mail in a document with my Social Security number — there are no other...

Why Does My Credit Report Still Show a Charge Off on an Account?

January 12, 2017

Dear Experian, I had a car payment that was seriously delinquent in 2015. In January of 2016 I brought the payment current, and the monthly payment has been paid...

What is a Credit Limit?

January 3, 2017

Dear Experian, I received my credit score. It says “amount of revolving credit card balances is too high,” but I do not owe anything. How do I clear the...

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