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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

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...

Company Suing After Account Deleted from Credit Report

February 13, 2013

Dear Experian, Last year, I disputed an account with you and the other CRAs. About a month after the dispute, you and the other CRAs deleted that item off my...

Deleting Accounts Because of Permanent Disability

February 13, 2013

Dear Experian, I was put on permanent disability between 2009 and 2010. I remember reading on some of my credit contracts that they would be dissolved in case of permanent...

Child’s Student Loans Appearing on Credit Report

January 30, 2013

Dear Experian, My wife got her credit report and an address that is not ours showed up. We need it removed along with two school loans that are not ours...

Settled and Charged Off Accounts on Your Credit Report

January 16, 2013

Dear Experian, If an account is paid off/closed, settled, or charged off, why would it still be showing as potentially negative? Is there any way to get these removed so...

Paying Off Account Will Not Restart 7 Year Timeframe

January 16, 2013

Dear Experian, If a charged off credit card is about to drop off and I pay it off, can the creditor restart the seven year time frame on my report? Thank...

Account Reported as Potentially Negative after Bankruptcy

January 16, 2013

Dear Experian, I went through Chapter 13 bankruptcy. I paid all that I owed, and my Chapter 13 was discharged in March 2012. I requested an item be deleted since...

Full Account Numbers Not Shown On Credit Report

December 19, 2012

Dear Experian, I see that your report displays my bank account number, as well as several current account numbers for credit cards, etc. Does anyone who requests a credit report...

It’s Free to Dispute Information on Your Credit Report

December 19, 2012

Dear Experian, We want to fix our credit report, but when we called Experian we were told that we would have to pay money for it. Why do you say...

Requests Viewed By You Do Not Affect Credit Scores

December 5, 2012

Dear Experian, On my credit report in the section "Requests for your credit history summary,” there is a "Requests viewed only by you" section. One creditor has about 62 requests...