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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

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...

How to Resolve Disputes with Credit Bureaus

April 10, 2013

Dear Experian, I disputed items on my credit report and they were deleted by the other credit reporting companies, but not Experian. The results say it was considered verified. How...

Update the Mailing Address on Your Credit Report

March 27, 2013

Dear Experian, I don't have any open credit accounts, so how do I inform Experian of my new home address? - VLK

Lender May Choose Not to Report a Credit Account

March 27, 2013

Dear Experian, I just reviewed my credit report and found that a significant credit purchase was not listed. All my payments were made on time. Can this be reflected in...

Ordering Your Own Credit Report Won’t Hurt Your Score

March 27, 2013

Dear Experian, Is there any way I can check my credit score without it hurting my score? How much does it hurt me to order my credit score? - KWS

Using Employer Tax ID Number Won’t Fix Bad Credit

March 27, 2013

Dear Experian, Can I use my employer tax ID number to repair my damaged credit? - KMR

Collection and Charged off Account in Credit Report

February 28, 2013

Dear Experian, If an account is "charged off" and sold to collection agency, how can both accounts be used against you? My credit report shows two negative accounts. I owed...