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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

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

Individuals Cannot Report Their Own Accounts

September 12, 2012

Dear Experian, How do I submit payment history for an account not listed on my credit report, therefore, adding a new account? - CRT

Impact of Having a Repossession Reinstated

September 12, 2012

Dear Experian, If you have a repossession and then a reinstatement, does the reinstatement help your credit scores? - CBN

The Meaning of “Derogatory Public Record”

August 29, 2012

Dear Experian, My credit score states "time since derogatory public record or collection is too short." What is a “derogatory public record”? - JTR

Discharged Bankruptcy Still Affects Credit Scores

August 15, 2012

Dear Experian, Once a Chapter 7 bankruptcy is discharged, will it still affect my credit score? - ADZ

Account Showing 90 Days Late

August 15, 2012

Account reported for first time shows it is 90 days late Dear Experian, In what instance does a credit profile reflect a 90 day late when it never reflected a 30...

Notifying Credit Reporting Companies about Dispute

August 1, 2012

Dear Experian, I used your system to dispute an error on my credit report. I received the confirmation back that the error has been deleted. Do I now have to...

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