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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

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...

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...