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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

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...

Lender May Check Credit Report After Car is Repossessed

December 5, 2012

Dear Experian, Why is my old creditor pulling my credit report? I had a car that I could not afford after being laid off. I ended up giving the car...

Missing Accounts Not Reported by Your Lenders

November 21, 2012

Dear Experian, There are four accounts missing on my report, and the one account listed has the wrong creditor's name on the account. What can I do to correct this? -TMM

Cell Phone Payments are Not Reported

November 21, 2012

Dear Experian, If I have a two year contract with a cell phone company, and if I pay my cell phone bill on time in full every month until the...

Tax Liens in Your Credit Report

November 7, 2012

Dear Experian, How long do public tax liens stay on your report after they have been released? - SVB

How to Remove Credit Inquiries from Your Report

November 7, 2012

Dear Experian, Can inquiries be removed from your credit report? -VNT

How to Remove an Incorrect Address from Credit Report

October 24, 2012

Dear Experian, You have me listed at an address I have never lived at. How is this removed? -DNW

Moving from Canada to the U.S.

October 10, 2012

Dear Experian, I moved to the U.S. in January 2012 from Canada. I obtained a Social Security number and got a secured credit card, and I was lucky enough to...

Paying off Closed or Charged off Accounts

October 10, 2012

Dear Experian, Does paying off a closed or charged off account raise your credit scores? -TYC

Lowering Credit Limit Can Hurt Credit Scores

October 10, 2012

Dear Experian, I have heard that requesting lower credit limits can hurt your credit scores. Is this true? -MMB

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