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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 a Settled Judgment Appears in a Credit Report

July 4, 2012

Dear Experian, I settled a judgment with a creditor. Is it still showing as judgment, or is reported as settled? - KDH

Experian Connect for Property Management Companies

July 4, 2012

Dear Experian, We are a property management company looking for a monthly credit report service. Where do I get that info? - ARJ

Reporting a Judgment Against a Former Tenant

June 20, 2012

Dear Experian, I have an eviction and financial judgment against a former tenant. Do I need to report it to Experian in order for it to appear on his credit...

Too Few Accounts Rated Current

June 20, 2012

Dear Experian, What does "too few accounts rated current" mean? - TJM

Removing Closed Accounts in Good Standing

June 20, 2012

Dear Experian, How do I go about getting old, closed in good standing, credit card accounts off my credit report? - GRB

Unpaid Doctor Bills on Credit Report

June 6, 2012

Dear Experian, I am seeing that each time I go to the doctor and I do not pay those bills on time, the bill ends up on my credit report....

Charges Sent to Collection in Error

June 6, 2012

Dear Experian, I disputed a charge off on my credit report and have a letter from the company stating the "charges were sent to collections in error," how can I...

Unrecognized Inquiries and Fraud

May 23, 2012

Dear Experian, What do I do if I see a request for credit information from a company I am unfamiliar with? - LCF

Why Inquiries Can Change Credit Scores

May 23, 2012

Dear Experian, Why does my score change with inquiries? - ADM

Delete Evictions, Judgments, & Bankruptcy from Credit Report

May 9, 2012

Dear Experian, Is there a way to get an eviction removed? A judgment was filed against me. If a judgment is discharged in your Chapter 7 bankruptcy, can it be...

Credit Histories Not Stored for Past Dates

April 25, 2012

Dear Experian, How can I get my credit history for 1986 and previous years? - STV

How to Determine an Original Delinquency Date

April 25, 2012

Dear Experian, How do you find out the original delinquency date of an account? - KYN