CHECK YOUR EXPERIAN CREDIT REPORT FOR $1

INCLUDES YOUR FICO® SCORE AND A 7-DAY TRIAL IN EXPERIAN CREDIT TRACKERSM!

Important Information: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period**, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership any time within the trial period without charge.

Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Learn More.

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Do you know the credit report basics?

What is a Credit Report? Your personal credit report contains details about your identity and displays certain financial behaviors. This set of data is sometimes also referred to as a credit file or a credit history. Experian collects and organizes data from creditors, lenders and public records. We make your credit report available to your current and prospective creditors, employers, and others permitted by law, which may help you access credit.

What can I find in my credit report?

Accounts

Accounts in your credit report can include credit cards, retail credit cards, real estate loans, installment loans - such as auto loans, and accounts in collections. Your creditors report different information to the credit bureaus and may also provide their contact information to display within your credit report. Your account mix generally gives potential creditors an idea of how you use credit from year to year.

View the types of information reported on credit reports

  • 30 Days Late: If you missed a scheduled payment on an account by 30 days, the creditor may report you as 30 Days Late.
  • 60 Days Late: If you missed a scheduled payment on an account by 60 days, the creditor may report you as 60 Days Late.
  • 90 Days Late: If you missed a scheduled payment on an account by 90 days, the creditor may report you as 90 Days Late.
  • 120 Days Late: If you missed a scheduled payment on an account by 120 days, the creditor may report you as 120 Days Late.
  • Account #: The reference number used to identify the account.
  • Account Name: The name of the creditor that holds the account.
  • Account Status: A brief message describing the open/closed status of the account.
  • Account Type: The type of the account.
  • Address: The address for the creditor associated with the record.
  • Balance: The balance owed on the account.
  • Balloon Payment: If the account has a large final payment as a part of the terms, the amount of that payment is displayed.
  • Comments: Comments or notes appended to the account by the creditor holding the account, or by the credit bureau.
  • Credit Limit: The amount of money available to borrow on a credit or retail card account.
  • Data Unavailable: The company did not provide any information for this period.
  • Date Open: The date the account was opened.
  • Failed to Pay: If you missed a scheduled payment on an account by a long duration, the creditor may report you as Failed to Pay. Creditors will typically do this after 120 or 180 days of delinquency, and usually close the account when they do so.
  • High Balance: The highest reported balance on the account.
  • Last Updated: The last date the account information was updated by the creditor.
  • Monthly Payment: The minimum required payment on the account according to the creditor holding the account.
  • OK: A scheduled payment was made for that specific month as reported by the creditor.
  • Original Creditor: If the account was bought or sold, the name of the creditor who originally held the account displays here.
  • Ownership: Also known as the ECOA, the relationship you have with the account. For example, "Signer", or "Co-Signer".
  • Past Due Amount: The balance currently reported as past-due by the creditor holding the account.
  • Payment Status: A brief message describing your payment history with a specific account.
  • Phone: The phone number for the creditor associated with the record.
  • Terms: A brief message describing the terms of payment established with the account.

Inquiries

Hard inquiries appear on your credit report as a result of your applications for credit or loans, and are visible on your credit report for 24 months. However, they only impact your FICO Score for the first 12 months. These types of inquiries may represent additional debt that doesn't yet show up as an account on your credit report - when that's the case, the potential new debt can be an indicator of recent risk. Accordingly, a recent inquiry can have a small impact on your credit scores.

Soft inquiries don't impact lending decisions or credit scores. They are only visible to you, not to others (including potential creditors). Soft inquiries include checking your own credit report, pre-approved offers of credit, inquiries made for employment or insurance purposes, or those made by your existing lenders to review currently active accounts.

Public Records

Public Records are financial accounts in your credit report attributed to legal actions such as bankruptcies, tax liens, and court judgments. They do not include information like arrests, misdemeanors, or other non-financial situations. Having this type of record appear on your credit report usually negatively impacts your credit scores.

  • Bankruptcy: Under Chapter 13 bankruptcy, a person repays at least a portion of their debts. Chapter 13 bankruptcy remains in your Experian credit report for 7 years from the filing date. Under Chapter 7 bankruptcy, a person does not repay any of the debts included in the filing. Chapter 7 bankruptcy remains in your Experian credit report for up to 10 years from the filing date depending on how it's handled.
  • Tax Lien: This results from failure to pay your taxes in most cases. An unpaid tax lien will remain on your Experian credit report for up to 10 years from the filing date. A paid tax lien is deleted 7 years from the date it is paid.
  • Civil Judgments: This results from a debt you owe through the courts as a result of a lawsuit. Civil judgments stay on your Experian credit report for 7 years from the filing date. Once paid, this record will be updated to show that fact.

How often is my Experian credit report updated? In general, creditors send information to the credit reporting agencies on a monthly basis, but the day of the month that the organization sends its updates varies. Different creditors submit information throughout the month, which then shows on your credit report.

How to dispute credit report information: Start with a copy of your Experian credit report. If you don't have one, order online for immediate report and dispute access. While viewing your credit report online you'll be able to dispute any incorrect information. You can dispute without a credit report by writing to Experian’s National Consumer Assistance Center, P.O. Box 4500, Allen, TX 75013, or by submitting your dispute and uploading any supporting documents at experian.com/upload.

** The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge.

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