Report Details

Your credit report contains details about your financial life and credit history. It helps lenders understand how you manage credit.

Latest Articles

NSF Checks on a Credit Report

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

Rumor to Leave Accounts Open is Correct

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

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

Mailing a Request for Your Credit Report

I tried to get my credit report from Experian online, and a box...

Video: History of Credit Series

It might be hard to imagine using credit differently than you do today, but...

Does getting a free credit check does that put a ding on credit?

You can get copies of your personal credit report as often as you like...

What is the opt-out program?

The term opt-out refers to requesting that you be removed from preapproved and prescreen...

How to Request a Credit Report When You Are Incarcerated

My fiancé is incarcerated and he wants a copy of his credit...

What Can Credit Monitoring Do for Me?

Wouldn’t it be great if more of our world was truly “set it and...

Infographic: Fact or Fiction? Debunking 6 Common Credit Myths

Do you consider yourself a super sleuth who can solve any whodunit? Or maybe...

What’s Included in a Credit Report?

Typically, a credit report will include:

  • Your name and any variations that might be associate with you, such as misspellings or a surname before marriage
  • Social Security number
  • Current and past addresses
  • Current and past employers
  • Names and addresses of current and past creditors
  • The payment status of your credit accounts
  • Public records such as tax liens, bankruptcies, or civil judgments