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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

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

Updating Credit Report to Show Bankruptcy is Discharged

April 25, 2012

Dear Experian, My bankruptcy was discharged one to two months following when it was filed. This would have been around September 2005. It still shows the bankruptcy is not discharged...

Inquiries can have small impact on credit scores

April 11, 2012

Dear Experian, I haven’t had negative activity on my credit report for over two years, and my score was recently 674. I applied for a credit card, and they did...

How Long Late Payments Stay on Credit Report

April 11, 2012

Dear Experian, How long does a negative payment status of "Paid, Past due 30 days" remain on my credit report? The item in question occurred in March 2006, while I...

Tax Liens Not Discharged Through Bankruptcy

March 28, 2012

Dear Experian, I filed bankruptcy in 2002 because of divorce. It was discharged with zero assets and zero liabilities. A 1996 Michigan state tax lien still remains on my credit...

Late Payments Not Deleted After Account Paid Off

March 14, 2012

Dear Experian, I have paid off an account that previously had a late payment mark on my record. Is there any possible way to remove the negative mark on my...