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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

Insurance Inquiries Do Not Affect Credit Scores

August 12, 2013

Dear Experian, I am shopping for car insurance. All of the insurance companies want to check my credit report. What impact will this have on my credit report? - JNI

Vacated Judgment Should Be Removed from Credit Report

August 12, 2013

Dear Experian, Civil and small claim judgments remain seven years from the filing date. But in my case, the judgment was vacated with the stipulation that the action was discontinued...

Removing Ex-Spouse’s Address from Your Credit Report

July 3, 2013

Dear Experian, I had you remove my ex-wife's address from my report, and now it is back on there. I need to know why, and I would like it to...

Dispute Results Letter is Sent Automatically

July 3, 2013

Dear Experian, Can I get a letter about the results of a dispute after the 30 day mark? I am trying to buy a house and they need the letter....

Unrecognized Social Security Number Could Indicate Fraud

June 20, 2013

Dear Experian, My Social Security number is reporting incorrectly. How can I get this fixed? - BWR

“Paid in Full” vs. “Settled for Less than Owed”

June 20, 2013

Dear Experian, If you have a charged off account, is it better for it to show "paid in full" or "settled for less?” - JMN

Tax Lien Automatically Updated on Credit Report

June 5, 2013

Dear Experian, I have a tax lien on my report that has been satisfied and released by the State of Ohio and the clerk of courts. How do I report...

Transferred and Closed Student Loan History Still Affects Credit Scores

May 23, 2013

Dear Experian, I recently filed a dispute to get the status of my federal student loans changed. They were reported as delinquent because of missed payments. However there was a...

Liable for Balanced Owed on Deleted Account

May 8, 2013

Dear Experian, Am I still liable for an account that I disputed and that was deleted from my credit report? - MGB

Debt Bureau Reports Not Part of Experian Credit Report

May 8, 2013

Dear Experian, How long does ChexSystems information remain on file? Why does it prevent one from opening a CD, savings account or mutual fund? - SHF

Multiple Mortgage Inquiries and Credit Scores

April 24, 2013

Dear Experian, Is it true that if more than one mortgage lender requests my credit report within 30 days, it will show up as only one hard inquiry on my...

Credit Repair Companies May Not Be the Answer

April 24, 2013

Dear Experian, I paid a credit repair specialist $1,800, and seven months later my score has only improved a little. I need help to improve my score. Can you guide...