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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

Charged Off Debt Must Still Be Repaid

What does it mean when Account Type/Status says "Charge Off"? Does this mean...

Updating Employer on Your Credit Report

How does an employer report a job history to Experian? - BZI

Public Records That Can Appear in Your Credit Report

What kinds of public records can be part of a credit report? How...

Being a Cosigner Can Help Build Your Credit

I currently have no credit. Not bad credit, no credit. I am interested...

Going over the Limit on Your Credit Card

What happens if your credit card goes over your limit? What are the...

How does cosigning affect your credit? Does it show as a debt?

When you co-sign for a loan, you are saying that if the person you...

Is it illegal for a collection agency to change the amount owed?

The collection company can’t change the amount originally owed, but they can legally add...

Can you have a creditor removed if they can’t produce verification of the debt?

You can dispute the information if you believe it is inaccurate, and if you...

How do you remove child support once it’s paid in full?

Once the child support is paid in full the record should be updated to...

Audio: Low Credit Delinquency

When rates of credit delinquency drop, what can it mean for the rest of...

The Effects of Charging Over Your Credit Card Limit

I was surprised to see my credit card was reported over the...

Does it take a long time to build credit back after bankruptcy?

Bankruptcy is the most negative thing you can do in terms of credit reporting...

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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