Understanding the information in a credit report is the first step in making it
a valuable financial tool. This sample report illustrates what an Experian consumer
credit report looks like and desribes the various types of information a person might
find in their personal report.
It is Experian's responsibility as a company to be aware of our societal responsibilities
and to have a positive impact on the communities in which we live and work. Experian's
global Corporate Responsibility Report provides detailed information about what we
are doing to ensure we behave in a socially responsible manner.
The Reports on Credit series includes 10 issues, each covering a specific credit-related
topic. The documents were designed to be printed or photocopied easily to assist in
answering consumer credit questions or for utilizing as a classroom teaching
tool when discussing specific credit topics.
Issue #1 of the Reports on Credit series discusses credit reporting
fundamentals. Learn what a credit report is, what information a credit report includes,
how credit reporting helps you and who makes lending decisions.
Issue #2 of the Reports on Credit series explains why you should
review your credit report, how to obtain a copy of it and how you can correct information
you believe is reported in error or that may be inaccurate.
Issue #3 of the Reports on Credit series describes your responsibilities
when you sign or cosign a loan. It explains what might happen if you or the person
you cosigned for don't meet the obligations of the loan contract, and what you should
consider before cosigning a loan for someone.
Issue #4 of the Reports on Credit series explains what you can do to build
a strong credit history. It discusses what you should do if you begin to fall behind
in your payments, how long negative information can remain in your credit report and
what to do if you have no credit history at all.
Issue #5 of the Reports on Credit series discusses the laws that govern
credit reporting, your rights regarding your credit report and what Experian does
to ensure the information it maintains is protected and used appropriately.
Issue #7 of the Reports on Credit series provides information about mailing
lists and preapproved credit offers. It describes the benefits of preapproved offers
for consumers, explains how your name can get on a mailing list and defines "target"
marketing and why you might get an offer. It also explains how your consumer rights
are protected and how you can remove your name from marketing lists if you choose
to do so.
Issue #8 of the Reports on Credit series discusses credit card fraud and
identity theft. It provides tips for protecting yourself, explains what you should
do if you become a victim and describes some of the things Experian is doing to fight
fraud and identity theft.
Issue #9 of the Reports on Credit series discusses how credit reports
can be used for employment purposes. It describes how employment reports differ from
reports used for lending and explains how your rights are protected.