Credit Report & Scores » 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.

Latest Articles

NSF Checks on a Credit Report

How long do non-sufficient funds checks (NSF's) stay on your credit report? - LLS

Potentially Negative Items Listed on Credit Report

How can I get my credit score up? It seems to keep going...

When Are Closed Accounts Deleted

Will the closed account ever be removed from my credit report? - OWE

Score Didn’t Improve After Bankruptcy Removed

I recently had a bankruptcy removed from my credit report, but it didn't...

Requesting a Free Credit Report after Application is Denied

I just had my credit run for a credit card and was denied....

Rumor to Leave Accounts Open is Correct

My husband and I have several credit cards, all with limits under $1,500.00....

Tax ID Numbers Do Not Replace Social Security Numbers

I do not have a Social Security number. Instead, I have an EIN...

Free Credit Report After Being Declined

I have been denied credit. Can I get a free copy of my...

Changing Your Name on Your Credit Report

I have changed my name through naturalization. How can I change my name...

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

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