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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

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...

When Are Repossessions and Collections Deleted

July 2, 2014

Dear Experian, I had a repossession in July 2006, but on my credit report it states date reported January 2013. A collection agency owns the account now. When will it...

What to Do Before Initiating a Dispute

June 4, 2014

Dear Experian, How do I dispute an account on my report? Experian is showing an account open that has been closed for two years. - SCH

The Impact of Selling or Transferring a Collections Account

May 27, 2014

Dear Experian, A creditor of mine sold my credit card debt to another company after seven years. Do I now have to wait another seven years to have it removed...

How to Opt Out of Prescreened Offers

March 13, 2014

Dear Experian, I received a letter from Experian today regarding permanently removing my name from pre-approved credit offer mailing lists. The letter is requesting name, Social Security number, current address,...