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Report Advice

Your credit report is a snapshot of your credit history that contains information about how much debt you have, how much credit is available to you, and whether or not you make your payments on time. It also contains identifying information and public records, including liens and bankruptcies. Credit reports are used by lenders to make decisions about creditworthiness.

Latest Articles

What Derogatory Means on Your Credit Report

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

Inquiries can have small impact on credit scores

I haven’t had negative activity on my credit report for over two years,...

When is a Collection Account Deleted

Is it legal for a collection agency to submit an account that they...

The Impact of Paying a Collection Account on Credit Scores

Does settling a debt that is showing negative on my credit report as...

How to Increase Your Credit Limit

To increase your credit limit on your credit card, the first step is simply...

How Cosigning Affects Your Credit

Is there a difference if a cosigner is first or second on...

How to Replace a Social Security Card

If your Social Security card is lost or stolen you can replace it for...

Chapter 7 vs. Chapter 13 Bankruptcy

What is the difference between chapter 7 and chapter 13 bankruptcies? - RYN

Settling a Debt Will Hurt Your Credit Score

Does it hurt my credit score if I settle my account? - EWH

Why Is My Credit Limit So Low?

You might not have as much credit as you like and are wondering why....

How long does it take information to come off your report?

The length of time that information stays on your credit report depends on the...

Steps for Removing a Tax Lien Filed in Error

I had a lien on my account in 1999 from the state of...

What is Included in a Credit Report?

  • Identifying Information: your full name and any variations you’ve used, current and past addresses, your Social Security number, employer information, and (if applicable) your spouse’s name
  • Public Records: including bankruptcies, tax liens, and civil judgments
  • Debts and Payment History: debts you currently owe, such as mortgages, credit cards, and auto loans, and your payment history for those accounts
  • Recent Inquiries: a list of anyone who has recently inquired about your credit history
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