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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

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,...

Debt Discharged in Bankruptcy Showing on Credit Report

March 13, 2014

Dear Experian, How can a debt that was dismissed during a bankruptcy almost four years show up now on the credit report as derogatory? Can we appeal to have it...

Voluntary Surrender Could Harm Credit Scores

February 26, 2014

Dear Experian, I recently co-signed for someone, and our relationship ended. They gave me the truck back and said they no longer wanted it. I have a car payment myself,...

How to Correct an Address in Your Credit Report

February 26, 2014

Dear Experian, I need to dispute an incorrect mailing address on my credit file. What is the process to correct my address? - FLR

Car Returned under Service Member Relief Act is a Voluntary Repossession

February 12, 2014

Dear Experian, I am in the military and currently serving in Afghanistan. Prior to my departure I turned in my car lease under the Service Member Relief Act. When I...

Lack of U.S. Credit History Can Affect Finances

February 12, 2014

Dear Experian, I'm a visiting J1 exchange professor at the University of Hawaii, and I'm being asked by the Hawaiian Electric company to pay a pretty hefty deposit for service...

Closed accounts will remain in credit history for up to 10 years

January 15, 2014

Dear Experian, How do I have old credit card accounts that are long ago closed or paid off removed from my credit report? I know that my score is negatively...

Collection Accounts for Repossessed Car in Credit Report

January 15, 2014

Dear Experian, If you have had a vehicle repossessed, will it stay on your credit if the creditor keeps selling the papers to different creditors? - JNB

Requesting Removal of Delinquent Authorized User Accounts

December 18, 2013

Dear Experian, I am listed as an authorized user on two of my husband's accounts, one of which was charged off, and the other is in collections. They are showing...

Lender Might Repossess Car After Non-Payment

December 4, 2013

Dear Experian, I took out a loan for a van in 2008 and lost my job shortly afterwards. I only made two payments on it. The lender never came looking...

Recent Late Payments Hurt Credit Scores the Most

December 4, 2013

Dear Experian, Why has my credit score dropped 42 points? There is a late payment on one of my cards which has since been brought current, and four of my...