Credit Advice » Report Advice » Report Details » Negative Information » What Derogatory Means on Your Credit Report

What Derogatory Means on Your Credit Report

Dear Experian,

What does “derogatory” mean when it shows up on my credit reports?

– JUA

Dear JUA,

The term “derogatory” means the information is negative and will likely hurt your ability to qualify for credit or other services.

Most commonly it refers to late payments, but also includes other information that indicates credit risk. Settling a debt and not paying it in full as originally agreed is a serious negative issue and would therefore be described as derogatory, for example.

Things like collection accounts, foreclosures, bankruptcy, tax liens and civil judgments are also considered derogatory.

Thanks for asking.
– The “Ask Experian” team

Review Your Free Experian Credit Report Today

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

Get Started for Free

Game of Credit

Credit is a skill that you build, and it's one that you can get better at. Ready to explore the ways credit can shape your road ahead? Play along...

Ask Experian for Advice

Your privacy and the information collected here.

Latest Tweets