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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

Reporting a Judgment Against a Former Tenant

I have an eviction and financial judgment against a former tenant. Do I...

Authorized User Who Has Declared Bankruptcy

If I add an authorized user who filed bankruptcy to my credit card,...

Too Few Accounts Rated Current

What does "too few accounts rated current" mean? - TJM

Unpaid Doctor Bills on Credit Report

I am seeing that each time I go to the doctor and I...

Charges Sent to Collection in Error

I disputed a charge off on my credit report and have a letter...

Unrecognized Inquiries and Fraud

What do I do if I see a request for credit information from...

Authorized User on Delinquent Credit Card

I was an authorized user under my mom's credit card. I never used...

Accounts Included in Bankruptcy Status

My bankruptcy was removed from my credit report late last year. Is there...

Delete Evictions, Judgments, & Bankruptcy from Credit Report

Is there a way to get an eviction removed? A judgment was filed...

Credit Histories Not Stored for Past Dates

How can I get my credit history for 1986 and previous years? - STV

Updating Credit Report to Show Bankruptcy is Discharged

My bankruptcy was discharged one to two months following when it was filed....

Paid Collection Account Not Deleted Immediately

How do I get something I have paid removed from my credit report?...

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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