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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

U.S. Credit History Will Not Transfer to Canada

August 14, 2013

Dear Experian, I am a citizen of both the U.S. and Canada. I currently reside in the U.S., but I plan to move with my family back to Canada. Will...

Explain a Charge Off or Collection

August 14, 2013

Dear Experian, Can I include a letter in my credit report to explain a charge off or collection? - SMB

Voluntary Surrender vs. Repossession

August 13, 2013

Dear Experian, If I voluntarily surrender my car to the financial institution carrying the loan, will it make a difference on my credit report? Or, is it a repossession no...

Small Claims Judgments Reported to Credit Bureaus

August 13, 2013

Dear Experian, I am a landlord that has been awarded a small claims judgment in excess of $5,000. Can this be reported to a credit bureau, if so how? - RDT

How Long Paid Public Records Remain on Your Report

August 13, 2013

Dear Experian, Why is there still a public record on my account that has been paid off for four and a half years? - NDR

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...