Credit Advice » Report Advice

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.

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

Creditors Might Use a Credit Report to Locate You

November 9, 2011

Dear Experian, Can creditors find you through a credit check? - DMW

Invalid Report Number

October 26, 2011

Dear Experian, I received a report number, but when I put it in it says it's invalid. Why? - MCK

Balance on Credit Report Same as Statement

October 26, 2011

Dear Experian, Is there a way to make a credit search show my current balance on a card rather than the balance on the last statement? - REQ

Find Out Who Has Checked Your Credit Report

October 12, 2011

Dear Experian, How do I verify that a company indeed checked my credit report? - HOD

Credit reports not established based on age

September 14, 2011

Dear Experian, At what age does the credit bureau start reporting credit history? - RCU

Find Out What Accounts are Hurting Your Credit

August 31, 2011

Dear Experian, How can I find out what accounts are hurting my credit? - RBR

Updating Bankruptcy Information

August 31, 2011

Dear Experian, After a bankruptcy discharge the creditors usually update their entrances, so the debt shows as discharged in bankruptcy. However, they don't always do that. Can I send you...

You Cannot Dispute a Credit Score

August 17, 2011

Dear Experian, Can I dispute the score? I have a creditor that hasn’t reported me current on several opened accounts. I show current with Experian and one of the other...

How Long It Takes for a $0 Balance to Show on Report

August 3, 2011

Dear Experian, How frequently is one's credit record updated? If I paid off an old debt and want my credit report to reflect a $0.00 balance, how long does it...

Voluntary Repossession Stays on Credit Report

August 3, 2011

Dear Experian, How do I get a voluntary repossession off of my report? It has been three months and the credit union has since sold the car. - OTT

Obtaining a Personal Credit Report

July 20, 2011

Dear Experian, What is my credit report number? I need it so I can speak to someone live. - MIN