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Report Details

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

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

Removing Closed Accounts in Good Standing

June 20, 2012

Dear Experian, How do I go about getting old, closed in good standing, credit card accounts off my credit report? - GRB

Unpaid Doctor Bills on Credit Report

June 6, 2012

Dear Experian, I am seeing that each time I go to the doctor and I do not pay those bills on time, the bill ends up on my credit report....

Delete Evictions, Judgments, & Bankruptcy from Credit Report

May 9, 2012

Dear Experian, Is there a way to get an eviction removed? A judgment was filed against me. If a judgment is discharged in your Chapter 7 bankruptcy, can it be...

How to Determine an Original Delinquency Date

April 25, 2012

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

Updating Credit Report to Show Bankruptcy is Discharged

April 25, 2012

Dear Experian, My bankruptcy was discharged one to two months following when it was filed. This would have been around September 2005. It still shows the bankruptcy is not discharged...

How Long Late Payments Stay on Credit Report

April 11, 2012

Dear Experian, How long does a negative payment status of "Paid, Past due 30 days" remain on my credit report? The item in question occurred in March 2006, while I...

Tax Liens Not Discharged Through Bankruptcy

March 28, 2012

Dear Experian, I filed bankruptcy in 2002 because of divorce. It was discharged with zero assets and zero liabilities. A 1996 Michigan state tax lien still remains on my credit...

Late Payments Not Deleted After Account Paid Off

March 14, 2012

Dear Experian, I have paid off an account that previously had a late payment mark on my record. Is there any possible way to remove the negative mark on my...

The Impact of Requesting Lower Credit Limits

February 1, 2012

Dear Experian, If I lower my credit limits on my credit cards, does that lower my credit score? If so, why? - PGR

What Derogatory Means on Your Credit Report

January 18, 2012

Dear Experian, What does “derogatory” mean when it shows up on my credit reports? - JUA

Closed Accounts Stay on Your Credit Report

January 18, 2012

Dear Experian, I printed my and my husband's credit reports. There are accounts that have been closed for years, but a note says they will remain on the report for...

Paid Court Judgments on Your Credit Report

December 7, 2011

Dear Experian, I was told by the circuit court that Experian would have to come in and pull the satisfied judgment in order to remove it from my records. Is...

Settling a Debt Will Hurt Your Credit Score

December 7, 2011

Dear Experian, Does it hurt my credit score if I settle my account? - EWH

Invalid Report Number

October 26, 2011

Dear Experian, I received a report number, but when I put it in it says it's invalid. Why? - MCK

Balance on Credit Report Same as Statement

October 26, 2011

Dear Experian, Is there a way to make a credit search show my current balance on a card rather than the balance on the last statement? - REQ

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