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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

Closed Credit Card Accounts Showing on Credit Report

All my credit cards are paid in full and closed but still showing...

Here’s How Refinancing Affects Your Credit

Refinancing a loan can affect your credit scores, usually by lowering it, so you...

How Will Multiple Inquiries for an Auto Loan Show On My Credit Report?

Tune into this episode of Ask Susie where we cover the impacts of multiple...

Contact Information for Medical Collection Accounts

On my credit report there are two collection items. One says Medical Payment...

Inquiries from Utilities on Your Credit Report

How do inquiries from utility, cable television/internet, cellular telephone and residential rentals impact...

Authorized User Account Impeding Home Purchase

I have a question regarding authorized users. I put my son on...

How Much Available Credit Should I Have?

Often people wonder how much of their available credit they should be using at...

Mistakenly Reported as Deceased

I am listed as deceased on my credit history. How can I change...

Does closing a bank account affect your credit?

Bank account information is not part of a credit report. Therefore, when you close...

What is a charge off and collections and how long can they stay on your account?

The term “charge-off” describes the status of an account when it has become severely...

The Impact of Requesting Lower Credit Limits

If I lower my credit limits on my credit cards, does that lower...

Removing Inquiries for Multiple Loan Applications

While looking for a new car the auto dealer shopped the best rate...

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