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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

Learn How to Read Your Credit Report

Do you have online booklets explaining how you can read a credit report? -...

It Is Possible to Not Have a Credit Report

Is it possible not to have a report? I am a resident since...

Canadian Credit History Will Not Transfer to United States

Will my Canadian credit history transfer to the USA? - ERS

Proportion of Balances to High Credit on Revolving Accounts

Can you explain one of the factors for my credit score? The listed...

Credit Information is Updated Continuously

How often is credit information updated? - CNA

Removing Account in Dispute Notation

How can I get the wording "account in dispute" removed from my credit...

What Happens When You Pay Off Bad Credit

When a piece of "bad" credit exists on my report, what happens if...

How to Find Out Who Has Requested Your Credit Report

How do I find out who has been inquiring about my credit? ...

Updating Your Report When a Tax Lien is Released

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

Mailing a Request for Your Credit Report

I tried to get my credit report from Experian online, and a box...

When Chapter 7 Bankruptcy is Deleted

Does a Chap 7 bankruptcy drop off the report 10 years after filing...

Parent Using Child’s Social Security Number

I believe my daughter’s father is using her Social Security number for electricity,...

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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