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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

Inquiry from Leasing Company Cannot be Removed

December 21, 2011

Dear Experian, A leasing company pulled a credit report on my wife and me without our authorization. How do we have that inquiry removed from our record, and what recourse...

Paid Court Judgments on Your Credit Report

December 7, 2011

Dear Experian, I was told by the circuit court that Experian would have to come in and pull the satisfied judgment in order to remove it from my records. Is...

Settling a Debt Will Hurt Your Credit Score

December 7, 2011

Dear Experian, Does it hurt my credit score if I settle my account? - EWH

“Paid” Account Listed as “Potentially Negative”

December 7, 2011

Dear Experian, I have a paid, closed account showing as potentially negative on my credit report. Why, if it shows paid, is it listed as a negative item? - ORI

Steps for Removing a Tax Lien Filed in Error

November 23, 2011

Dear Experian, I had a lien on my account in 1999 from the state of South Carolina for payroll tax. I have a letter from them stating that the lien...

Inquiries from Utilities on Your Credit Report

November 23, 2011

Dear Experian, How do inquiries from utility, cable television/internet, cellular telephone and residential rentals impact credit scores since payment histories are never reported? - MDB

What Does “Charge off” Mean on Credit Report

November 23, 2011

Dear Experian, What is a "charge off," and what does it mean? - TPA

Creditors Might Use a Credit Report to Locate You

November 9, 2011

Dear Experian, Can creditors find you through a credit check? - DMW

Bankruptcy Listed on Parent’s Credit Report

November 9, 2011

Dear Experian, We recently went through chapter 7 bankruptcy. Our problem is that we are living in a home that belongs to my husband's father. My husband and his father...

Invalid Report Number

October 26, 2011

Dear Experian, I received a report number, but when I put it in it says it's invalid. Why? - MCK

Balance on Credit Report Same as Statement

October 26, 2011

Dear Experian, Is there a way to make a credit search show my current balance on a card rather than the balance on the last statement? - REQ

Find Out Who Has Checked Your Credit Report

October 12, 2011

Dear Experian, How do I verify that a company indeed checked my credit report? - HOD

Repossession Stays on Your Credit Report 7 Years

September 14, 2011

Dear Experian, How long does a repossession reflect on your credit report, and how does it affect your credit report? - MMY

Credit reports not established based on age

September 14, 2011

Dear Experian, At what age does the credit bureau start reporting credit history? - RCU

Find Out What Accounts are Hurting Your Credit

August 31, 2011

Dear Experian, How can I find out what accounts are hurting my credit? - RBR

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