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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

How Disputing Information on Your Credit Report Affects Your Credit

You've recently disputed something on your Experian credit report through Experian’s Online Dispute Center....

Contact Information for Collection Agencies on Credit Report

I am trying to pay off my debts with collection agencies, but I...

Can You Go to Jail for Not Paying Your Bills?

Have you ever wondered if you can go to jail for not paying your...

You Cannot Dispute a Credit Score

Can I dispute the score? I have a creditor that hasn’t reported me...

Can Delinquency Be Removed from Credit Report

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Why Inquiries Can Change Credit Scores

Why does my score change with inquiries? - ADM

Can one 30-day late payment hurt your credit score?

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Bank May Not Notify You if Cosigner Doesn’t Pay

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Digital Debt Collection: Why It’s Good for You

Say goodbye to dreaded debt collection phone calls—collection agencies are starting to go digital....

Past Delinquencies are Deleted from Credit Report

Are past delinquencies that have been paid off ever removed from the credit...

Closed Accounts Stay on Your Credit Report

I printed my and my husband's credit reports. There are accounts that have...

How to Determine an Original Delinquency Date

How do you find out the original delinquency date of an account? - KYN

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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