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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

Opt Out of Debt, Not Credit Reporting

August 31, 2011

Dear Experian, I want to opt out of all credit reporting. Can I do it? - CPR

Updating Bankruptcy Information

August 31, 2011

Dear Experian, After a bankruptcy discharge the creditors usually update their entrances, so the debt shows as discharged in bankruptcy. However, they don't always do that. Can I send you...

You Cannot Dispute a Credit Score

August 17, 2011

Dear Experian, Can I dispute the score? I have a creditor that hasn’t reported me current on several opened accounts. I show current with Experian and one of the other...

How Long It Takes for a $0 Balance to Show on Report

August 3, 2011

Dear Experian, How frequently is one's credit record updated? If I paid off an old debt and want my credit report to reflect a $0.00 balance, how long does it...

Voluntary Repossession Stays on Credit Report

August 3, 2011

Dear Experian, How do I get a voluntary repossession off of my report? It has been three months and the credit union has since sold the car. - OTT

Paid Debt is Not Deleted Immediately

July 20, 2011

Dear Experian, If you pay off a debt does it get taken off of your credit report with in a month? How does it get removed? Do you have to...

Obtaining a Personal Credit Report

July 20, 2011

Dear Experian, What is my credit report number? I need it so I can speak to someone live. - MIN

Experian Does Not Review Loan Documents

July 6, 2011

Dear Experian, I received a call from a law firm in Florida. They explained to me that Experian had notified them that you had reviewed my loan documents and that...