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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

Dispute an Incorrect Address on Your Credit Report

November 14, 2014

Dear Experian, There is an address on my credit report at which I never resided. How do I get that removed or corrected? - MLA

Accounts Reported without Social Security Number

November 9, 2014

Dear Experian, Can a credit agency post something on my credit report without my Social Security number? - KOK

Judgment will Appear on Credit Report Once Satisfied

November 1, 2014

Dear Experian, I had a judgment filed against me in June of 2010. When I found out, I contacted the bank and settled with them. Why does it still show...

Repossession and Voluntary Surrender on Credit Report

October 22, 2014

Dear Experian, How long does a derogatory closure of an account pertaining to an auto loan affect your credit scores? - ...

Updating Balance Information on Your Credit Report

October 22, 2014

Dear Experian, On your website, you state that you update credit card payments when my bank does. My credit report from your institution is three months behind. ...

When Inquiries Appear on Your Credit Report

October 15, 2014

Dear Experian, Should the hard inquiry I have on my credit report from applying for credit be removed if I ended up getting approved and establishing credit with the...

Social Security Number Variations May Not Be Fraud

August 27, 2014

Dear Experian, I was told by the bank that Experian was reporting the incorrect Social Security number. How do I verify the information that Experian has on file for me? -...

Update the Phone Number on Your Credit Report

August 27, 2014

Dear Experian, I need to update my phone number on my credit report. - MHN

Payment Plans and Charge Offs on Your Credit Report

August 7, 2014

Dear Experian, I have a charge off from 2009. I am in a payment plan. Does this mean I started the clock over on when the charge off will be...

When Paid Accounts are Deleted from Your Credit Report

August 7, 2014

Dear Experian, How can an account I paid off and closed still be on my report? It has been there since 2008. - CBH

Will Voluntary Repossession Affect Your Credit

August 7, 2014

Dear Experian, I bought a car about 2 years ago at a “buy-here-pay-here” lot. I have never missed a payment and have been a good customer. Since buying the car...

Charged off Student Loans Still on Credit Report

July 17, 2014

Dear Experian, I have three student loans from about 12 years ago that where charged off. I paid them off in full two years ago, yet they are still reporting...