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Information in a Credit Report
Knowing what information is in a credit report and how it gets there is the first step in using your credit report to your advantage. Discover what the four types of information in a credit report are, how they become part of your credit report and their importance in lending decisions.
- “Credit report” is same thing as “file disclosure”
- “Potentially negative” items listed on credit report
- Account not reported by lender
- Account reported for first time shows it is 90 days late
- Balance on credit report is usually what appears on billing statement
- Business credit card not appearing on personal credit report
- Businesses are not required to report your account payments
- Cellular telephone bill payments are not usually reported
- Changing your name on your credit report
- College student facing eviction when roommate violates lease
- Court judgment on credit report for non-sufficient funds check
- Credit card bills sent to son’s address after he moved out
- Credit history no longer exists
- Credit information from 1993 no longer in Experian’s credit files
- Credit report can’t show half a mortgage
- Credit report information is updated daily
- Credit scores aren’t the only factor to consider when closing accounts
- Declination notice received after withdrawing loan
- Defining “charge off”
- Defining “potentially negative, closed”
- Defining “revolving trade” and other credit report terms
- Defining charged off, written off and transferred
- Email addresses are not part of your credit report
- Employer listings on your credit report
- Eviction is not shown on a credit report
- Explaining account status descriptions, including “transferred, closed”
- Filing a homestead exemption won’t affect your credit report
- Finding out what accounts are hurting your credit
- Having one credit report when you have accounts under different names
- How a settled judgment appears in a credit report
- How long do paid public records remain on your report?
- How long public records stay on your credit report
- How soon banks report new accounts
- Income information isn’t part of a credit report
- It is possible to owe debts not on your credit report
- Judgments against tenant will be reported automatically
- Landlords can share credit reports with tenants
- Late rental payments are not typically reported by landlords
- Law does not require lenders to report payment history
- Medical collection accounts can be part of a credit report
- Mortgage company not required to report payments
- Mother cannot report personal car payments
- Multiple name variations appearing on your credit report
- New credit card not appearing in your credit report
- No special instructions are needed for reading your credit report
- Non-sufficient funds checks on a credit report
- Payment history may cause “paid” account to be listed as “potentially negative”
- Public records that can appear in your credit report
- Rent payments may now be part of your Experian credit report
- Reporting a judgment against a former tenant
- Reporting death of a relative
- Retail credit card may appear under different name in credit report
- Role of income in credit reporting
- Separating credit reports of father and son
- Slight variations in SSN, address probably not fraud related
- Small claims judgments are reported to credit bureaus
- Status line summarizes account history
- Tax liens and your credit report
- The difference between “closed” and “paid in full”
- The difference between chapter 7 and chapter 13 bankruptcy
- The impact of foreclosure on your credit report
- The meaning of “closed/current" and other account status descriptions
- Tradelines and your credit report
- Truncating Social Security numbers on Experian credit reports
- Unpaid utility bills can appear on your credit report
- Verifying who has checked your credit report
- What “derogatory” means
- What happens to your credit file when you die
- What the term “maker” means
- Why both creditors appear on your report after a loan is sold
- Why there are three credit reporting companies
- You cannot “opt out” of rent payment reporting