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Understanding Your Experian Credit Report

Staying on top of your credit report is important to your financial well-being and knowing what is in your credit report is the first step. As a consumer, you may encounter Experian credit reports in different formats where some information presented may be different. All Experian credit reports contain the information you need to assess your entire credit history. The following is a representation of the types of information you would see on your Experian credit report.

Personal Information

Personal information is only used for identifying you, and is not considered in any scoring models.

Personal Information

Name(s) Associated With Your Credit

NAME

Lillie T. Lane
Lillie Lane
Lilly Lane

NAME IDENTIFICATION NUMBER

1234567899
1234567898
1234567897

Address(es) Associated With Your Credit

ADDRESS

840 Stillwater Rd Bldg. B
Sacramento, CA 95605

ADDRESS ID #

0546873687

RESIDENCE TYPE

Apartment Complex

GEOGRAPHICAL CODE

0-500000-51-6440

Other Personal Information Associated With Your Credit

SOCIAL SECURITY NUMBER VARIATION(S)

xxx-xx-1112
xxx-xx-1121

YEAR OF BIRTH OR DATE OF BIRTH

1978

SPOUSE OR CO-APPLICANT

James N. Lane

TELEPHONE NUMBER(S)

260-555-5555
260-555-0000

CURRENT OR FORMER EMPLOYER(S)

XYZ Corporation

NOTICES

Your date of birth indicates that credit may have been established before age 18.

Personal Statements

Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by Consumer Credit Counseling Services.

Public Records

Public Records are financial accounts attributed to legal actions, There are three types that can appear on a credit report: bankruptcies, tax liens, and civil judgments. They do not include information like arrests, misdemeanors, or other non-financial situations. Having a public record on your credit report can have a negative impact to your credit scores.

Examples of a Negative Public Record – Judgment

FILING DATE

11/08/2015

REFERENCE NUMBER

98cm01342

COURT

Clayton County Magistrate

PLANTIFF

AB Wireless Co.

AMOUNT

$800

Examples of a Negative Public Record – Tax Lien

FILING DATE

10/08/2012

REFERENCE NUMBER

Sq92026

COURT

Henry County Superior Court

PLANTIFF

Department of Revenue

AMOUNT

$4,560

Examples of a Negative Public Record – Bankruptcy Chapter 13 – Petition Filed

FILING DATE

01/24/2011

REFERENCE NUMBER

9366081

COURT

Western District of Washington

PLANTIFF

AMOUNT

$268,504

Accounts

Accounts in a credit report include revolving credit and/or installment loans. In general, the status of these accounts are either categorized as Open, Negative, or Closed.

Accounts in good standing are when your creditor reports that you have satisfactorily met the terms of your agreements with them. Some creditors may not report consumer credit information to us, so all of your accounts may not be listed. This section also includes up to two years of your monthly balances on an account if reported by your creditor.

Example of an Open Installment Account in Good Standing

ACCOUNT NAME

GreenPointe Mortgage

ACCOUNT #

6862XXXXXX

RECENT BALANCE

$200,533

DATE OPENED

11/2012

PERSONAL STATEMENT/ COMMENTS


ADDRESS ID NUMBER

0154226851

CONTACT INFORMATION

7933 Preston Rd
Plano, TX 75024
(800) 933-9100

ACCOUNT TYPE

Real Estate

TERMS

360 Months

ON RECORD UNTIL

CREDIT LIMIT/ ORIGINAL AMOUNT

$360,595

HIGH BALANCE

$360,595

BALANCE

$330,502

BALANCE UPDATED

02/2016

MONTHLY PAYMENT

$1,275

RECENT PAYMENT

$1,500

STATUS/ ACCOUNT STATUS

Open

PAST DUE AMOUNT

DATE OF STATUS/ STATUS UPDATED

02/2016

FIRST REPORTED

11/2012

PAYMENT STATUS

Current

RESPONSIBILITY

Individual

PAYMENT HISTORY
2016
FEB
OK
JAN
OK
2015
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2014
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2013
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2012
DEC
OK
NOV
OK

Example of an Open Revolving Account in Good Standing

ACCOUNT NAME

Bank of America

ACCOUNT #

1580XXXXXXXXXXXX

RECENT BALANCE

$256

DATE OPENED

10/2014

PERSONAL STATEMENT/ COMMENTS


ADDRESS ID NUMBER

0534564894

CONTACT INFORMATION

1274 Boggess St
Tremont City, OH 45372
(800) 568-4123

ACCOUNT TYPE

Credit Card – Revolving Terms

TERMS

Bank Credit Cards

ON RECORD UNTIL

CREDIT LIMIT/ ORIGINAL AMOUNT

$6,900

HIGH BALANCE

$4,053

BALANCE

$1,340

BALANCE UPDATED

02/2016

MONTHLY PAYMENT

$15

RECENT PAYMENT

$861

STATUS/ ACCOUNT STATUS

Open

PAST DUE AMOUNT

DATE OF STATUS/ STATUS UPDATED

02/2016

FIRST REPORTED

10/2014

PAYMENT STATUS

Current

RESPONSIBILITY

Individual

PAYMENT HISTORY
2016
FEB
OK
JAN
OK
2015
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2014
DEC
OK
NOV
OK
OCT
OK

Example of a Closed Account

ACCOUNT NAME

Astoria Federal Saving

ACCOUNT #

2803XXXXXXXXXX

RECENT BALANCE

DATE OPENED

01/2010

PERSONAL STATEMENT/ COMMENTS


ADDRESS ID NUMBER

0689546512

CONTACT INFORMATION

2715 Spinnaker Ln
Chicago, IL 60606
(800) 367-4568

ACCOUNT TYPE

Line of Credit

TERMS

Savings and Loans Companies

ON RECORD UNTIL

05/2023

CREDIT LIMIT/ ORIGINAL AMOUNT

$5,500

HIGH BALANCE

BALANCE

BALANCE UPDATED

MONTHLY PAYMENT

RECENT PAYMENT

STATUS/ ACCOUNT STATUS

Closed, Paid Satisfactorily

PAST DUE AMOUNT

DATE OF STATUS/ STATUS UPDATED

05/2013

FIRST REPORTED

02/2010

PAYMENT STATUS

Closed

RESPONSIBILITY

Joint Account

PAYMENT HISTORY
2013
MAY
CLS
APR
ND
MAR
ND
FEB
ND
JAN
ND
2012
DEC
ND
NOV
ND
OCT
ND
SEP
ND
AUG
ND
JUL
ND
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2011
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2010
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK

Potentially negative items include late payments, accounts that have been charged off or sent to collection and bankruptcies. It also may contain items that are not necessarily negative, but that a potential creditor might want to review more closely, such as an account that has been settled or transferred. Experian doesn’t make judgments about the information in your credit report. The list is provided as a service to direct your attention to what Experian thinks lenders are likely to consider negative when reviewing your credit history. For example, if you have missed payments in the past, they would likely be viewed negatively.

Example of a Negative Account – Missed Payments

ACCOUNT NAME

First USA Bank N A

ACCOUNT #

44171259XXXX

RECENT BALANCE

$1,684

DATE OPENED

03/2012

PERSONAL STATEMENT/ COMMENTS


ADDRESS ID NUMBER

0963215875

CONTACT INFORMATION

1665 Center Ave
Fresno, CA 93710
(800) 658-4235

ACCOUNT TYPE

Credit Card – Revolving Terms

TERMS

Bank Credit Cards

ON RECORD UNTIL

02/2023

CREDIT LIMIT/ ORIGINAL AMOUNT

$8,850

HIGH BALANCE

$2,695

BALANCE

$2,695

BALANCE UPDATED

02/2016

MONTHLY PAYMENT

RECENT PAYMENT

STATUS/ ACCOUNT STATUS

Past due 60 days

PAST DUE AMOUNT

$50

DATE OF STATUS/ STATUS UPDATED

02/2016

FIRST REPORTED

04/2012

PAYMENT STATUS

60 days late

RESPONSIBILITY

Individual

PAYMENT HISTORY
2016
FEB
60
JAN
30
2015
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2014
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2013
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2012
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK

Example of a Negative Account – Collections

ACCOUNT NAME

Gas Light Co

ACCOUNT #

955138104XXXX

RECENT BALANCE

$50

DATE OPENED

10/2011

PERSONAL STATEMENT/ COMMENTS

Delinquency due to unemployment


ADDRESS ID NUMBER

6232458942

CONTACT INFORMATION

P.O. Box 4569
Atlanta, GA 30302
(770) 994-1946

ACCOUNT TYPE

Collection Department / Agency / Attorney

TERMS

Gas Company, Natural And Bottled

ON RECORD UNTIL

02/2023

CREDIT LIMIT/ ORIGINAL AMOUNT

$150

HIGH BALANCE

$150

BALANCE

BALANCE UPDATED

MONTHLY PAYMENT

RECENT PAYMENT

STATUS/ ACCOUNT STATUS

Seriously past due date / assigned to attorney, collection agency, or credit grantor’s internal collection

PAST DUE AMOUNT

$50

DATE OF STATUS/ STATUS UPDATED

02/2016

FIRST REPORTED

10/2011

PAYMENT STATUS

Failed to Pay

RESPONSIBILITY

Individual

PAYMENT HISTORY
2016
FEB
C
JAN
180
2015
DEC
150
NOV
120
OCT
90
SEP
60
AUG
30
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2014
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2013
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2012
DEC
OK
NOV
OK
OCT
OK
SEP
OK
AUG
OK
JUL
OK
JUN
OK
MAY
OK
APR
OK
MAR
OK
FEB
OK
JAN
OK
2011
DEC
OK
NOV
OK
OCT
OK

Credit Inquiries

This section includes the names of businesses that have requested credit information about you. Inquiries may remain on your credit report for up to two years.

Credit Inquiries

Inquiries Shared With Others

ACCOUNT NAME

First USA Bank N A

INQUIRY DATE(S)/DATE OF REQUESTS

12/15/2016

BUSINESS TYPE

All banks – non specific

REMOVAL DATE

12/15/2018

CONTACT INFORMATION

P.O. Box 15298
Wilmington, DE 19850
(800) 432-3117

ACCOUNT NAME

Toyota Financial

INQUIRY DATE(S)/DATE OF REQUESTS

05/10/2015

BUSINESS TYPE

Auto financing company

REMOVAL DATE

05/10/2017

CONTACT INFORMATION

P.O. Box 15298
Wilmington, DE 19850
(800) 432-3117

Inquiries Shared Only With You

ACCOUNT NAME

Bank of America

INQUIRY DATE(S)/DATE OF REQUESTS

06/05/2015
01/10/2016

ACCOUNT NAME

Bank of America

INQUIRY DATE(S)/DATE OF REQUESTS

06/05/2015
01/10/2016

Medical Information

By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Although we do not generally collect such information, it could appear in the name of a data furnisher (i.e. “Cancer Center”) that reports your payment history to us. If so, those names display in your report, but in reports to others they display only as “Medical Information Provider”. Consumer statements included on your report at your request that contain medical information are disclosed to others.

Disputing Information in Your Credit Report

If you disagree with an item, you may dispute it. We will generally process your dispute by sending your dispute to the furnisher of the information or to the vendor who collected the information from a public record. The fastest and easiest way to dispute most information is to visit us at: www.experian.com/disputes. You may also submit additional relevant information or supporting documentation for your disputes electronically at www.experian.com/upload. Be advised that written information or documents you provide with respect to your disputes may be shared with any and all creditors with which you are disputing.

Learn more about How to Dispute Credit Report Information.

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