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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

The Meaning of “Derogatory Public Record”

My credit score states "time since derogatory public record or collection is too...

Public Records That Can Appear in Your Credit Report

Why is there still a public record on my account that has been...

Updating Credit Report to Show Bankruptcy is Discharged

My bankruptcy was discharged one to two months following when it was filed....

Can Paying an Older Collection Hurt Your Credit?

Paying an older collection won’t hurt your credit, and it won’t reset the clock...

How to Remove Bankruptcy From Credit Report

It's been just about 10 years since my bankruptcy was been discharged. How...

Denied Because Lack of Credit History

I moved to the U.S. two years ago and have since applied three...

Tax Liens No Longer Included on a Credit Report

I have a tax lien release from the IRS. I was going to...

Finally, Your Rent Payments Can Give Your Credit Scores a Boost

Rental payments can now be reported to the three credit reporting agencies. Here's how...

How Long Do Late Payments Stay on Credit Reports?

Paying your bills on time is the most important thing you can do to...

How Long Does It Take to Repair Your Credit?

Credit repair is the process of fixing a poor credit standing. But how long...

Judgments No Longer Included on a Credit Report

I am a landlord that has been awarded a small claims judgment in...

Can Accounts Included in Bankruptcy Be Deleted?

There is an account appearing on my credit report that was included...

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