Staying on top of your credit report is important to your financial well-being and knowing what is in your credit report is the first step. As a consumer, you may encounter Experian credit reports in different formats where some information presented may be different. All Experian credit reports contain the information you need to assess your entire credit history. The following is a representation of the types of information you would see on your Experian credit report.
Personal Information
Personal information is only used for identifying you, and is not considered in any scoring models.
Personal Information
Name(s) Associated With Your Credit
NAME
Lillie T. Lane
Lillie Lane
Lilly Lane
NAME IDENTIFICATION NUMBER
1234567899
1234567898
1234567897
Address(es) Associated With Your Credit
ADDRESS
840 Stillwater Rd Bldg. B
Sacramento, CA 95605
ADDRESS ID #
0546873687
RESIDENCE TYPE
Apartment Complex
GEOGRAPHICAL CODE
0-500000-51-6440
Other Personal Information Associated With Your Credit
SOCIAL SECURITY NUMBER VARIATION(S)
xxx-xx-1112
xxx-xx-1121
YEAR OF BIRTH OR DATE OF BIRTH
1978
SPOUSE OR CO-APPLICANT
James N. Lane
TELEPHONE NUMBER(S)
260-555-5555
260-555-0000
CURRENT OR FORMER EMPLOYER(S)
XYZ Corporation
NOTICES
Your date of birth indicates that credit may have been established before age 18.
Personal Statements
Public Records
Public Records are financial accounts attributed to legal actions. They do not include information like arrests, misdemeanors, or other non-financial situations. Having a public record on your credit report can have a negative impact to your credit scores.
Examples of a Negative Public Record - Bankruptcy Chapter 13 - Petition Filed
FILING DATE
01/24/2011
- Chapter 13 bankruptcy will remain in the credit report for 7 years from the filing date.
- Chapter 7 bankruptcy remains on the credit report for 10 years from the filing date.
REFERENCE NUMBER
9366081
COURT
Western District of Washington
PLANTIFF
-
AMOUNT
$268,504
Accounts
Accounts in a credit report include revolving credit and/or installment loans. In general, the status of these accounts are either categorized as Open, Negative, or Closed.
Accounts in good standing are when your creditor reports that you have satisfactorily met the terms of your agreements with them. Some creditors may not report consumer credit information to us, so all of your accounts may not be listed. This section also includes up to two years of your monthly balances on an account if reported by your creditor.
Example of an Open Installment Account in Good Standing
ACCOUNT NAME
GreenPointe Mortgage
ACCOUNT #
6862XXXXXX
RECENT BALANCE
$200,533
DATE OPENED
11/2012
PERSONAL STATEMENT/ COMMENTS
-
ADDRESS ID NUMBER
0154226851
CONTACT INFORMATION
7933 Preston Rd
Plano, TX 75024
(800) 933-9100
ACCOUNT TYPE
Real Estate
- Secured Loan or Installment
- Real Estate
- Rental
- Credit Card — Revolving Terms
- Line of Credit
- Collection Department / Agency / Attorney
- Learn more about loans
TERMS
360 Months
ON RECORD UNTIL
-
CREDIT LIMIT/ ORIGINAL AMOUNT
$360,595
HIGH BALANCE
$360,595
BALANCE
$330,502
BALANCE UPDATED
02/2016
MONTHLY PAYMENT
$1,275
RECENT PAYMENT
$1,500
STATUS/ ACCOUNT STATUS
Open
- Open
- Paid
- Closed
- Refinanced
- Transferred
- Foreclosed
- View all account status
PAST DUE AMOUNT
-
DATE OF STATUS/ STATUS UPDATED
02/2016
FIRST REPORTED
11/2012
PAYMENT STATUS
Current
RESPONSIBILITY
Individual
PAYMENT HISTORY
- OK: Current/Terms of agreement met
- 30 to 180: Past due XX days past due
- ND: No data for this time period
- R: Repossesion
- PBC: Paid by creditor
- IC: Insurance claim
- G: Claim filed with government
- D: Defaulted on contract
- C: Collection
- CO: Charge off
- CLS: Closed
Example of an Open Revolving Account in Good Standing
ACCOUNT NAME
Bank of America
ACCOUNT #
1580XXXXXXXXXXXX
RECENT BALANCE
$256
DATE OPENED
10/2014
PERSONAL STATEMENT/ COMMENTS
-
ADDRESS ID NUMBER
0534564894
CONTACT INFORMATION
1274 Boggess St
Tremont City, OH 45372
(800) 568-4123
ACCOUNT TYPE
Credit Card - Revolving Terms
- Secured Loan or Installment
- Real Estate
- Rental
- Credit Card — Revolving Terms
- Line of Credit
- Collection Department / Agency / Attorney
- Learn more about loans
TERMS
Bank Credit Cards
ON RECORD UNTIL
-
CREDIT LIMIT/ ORIGINAL AMOUNT
$6,900
HIGH BALANCE
$4,053
BALANCE
$1,340
BALANCE UPDATED
02/2016
MONTHLY PAYMENT
$15
RECENT PAYMENT
$861
STATUS/ ACCOUNT STATUS
Open
- Open
- Paid
- Closed
- Past due XX days
- Refinanced
- Transferred
- Foreclosed
- View all account status
PAST DUE AMOUNT
-
DATE OF STATUS/ STATUS UPDATED
02/2016
FIRST REPORTED
10/2014
PAYMENT STATUS
Current
RESPONSIBILITY
Individual
PAYMENT HISTORY
- OK: Current/Terms of agreement met
- 30 to 180: Past due XX days past due
- ND: No data for this time period
- R: Repossesion
- PBC: Paid by creditor
- IC: Insurance claim
- G: Claim filed with government
- D: Defaulted on contract
- C: Collection
- CO: Charge off
- CLS: Closed
Example of a Closed Account
ACCOUNT NAME
Astoria Federal Saving
ACCOUNT #
2803XXXXXXXXXX
RECENT BALANCE
-
DATE OPENED
01/2010
PERSONAL STATEMENT/ COMMENTS
-
ADDRESS ID NUMBER
0689546512
CONTACT INFORMATION
2715 Spinnaker Ln
Chicago, IL 60606
(800) 367-4568
ACCOUNT TYPE
Line of Credit
- Secured Loan or Installment
- Real Estate
- Rental
- Credit Card — Revolving Terms
- Line of Credit
- Collection Department / Agency / Attorney
- Learn more about loans
TERMS
Savings and Loans Companies
ON RECORD UNTIL
05/2023
CREDIT LIMIT/ ORIGINAL AMOUNT
$5,500
HIGH BALANCE
-
BALANCE
-
BALANCE UPDATED
-
MONTHLY PAYMENT
-
RECENT PAYMENT
-
STATUS/ ACCOUNT STATUS
Closed, Paid Satisfactorily
- Open
- Paid
- Closed
- Past due XX days
- Refinanced
- Transferred
- Foreclosed
- View all account status
PAST DUE AMOUNT
-
DATE OF STATUS/ STATUS UPDATED
05/2013
FIRST REPORTED
02/2010
PAYMENT STATUS
Closed
RESPONSIBILITY
Joint Account
PAYMENT HISTORY
- OK: Current/Terms of agreement met
- 30 to 180: Past due XX days past due
- ND: No data for this time period
- R: Repossesion
- PBC: Paid by creditor
- IC: Insurance claim
- G: Claim filed with government
- D: Defaulted on contract
- C: Collection
- CO: Charge off
- CLS: Closed
Potentially negative items include late payments, accounts that have been charged off or sent to collection and bankruptcies. It also may contain items that are not necessarily negative, but that a potential creditor might want to review more closely, such as an account that has been settled or transferred. Experian doesn't make judgments about the information in your credit report. The list is provided as a service to direct your attention to what Experian thinks lenders are likely to consider negative when reviewing your credit history. For example, if you have missed payments in the past, they would likely be viewed negatively.
Example of a Negative Account - Missed Payments
ACCOUNT NAME
First USA Bank N A
ACCOUNT #
44171259XXXX
RECENT BALANCE
$1,684
DATE OPENED
03/2012
PERSONAL STATEMENT/ COMMENTS
-
ADDRESS ID NUMBER
0963215875
CONTACT INFORMATION
1665 Center Ave
Fresno, CA 93710
(800) 658-4235
ACCOUNT TYPE
Credit Card - Revolving Terms
- Secured Loan or Installment
- Real Estate
- Rental
- Credit Card — Revolving Terms
- Line of Credit
- Collection Department / Agency / Attorney
- Learn more about loans
TERMS
Bank Credit Cards
ON RECORD UNTIL
02/2023
CREDIT LIMIT/ ORIGINAL AMOUNT
$8,850
HIGH BALANCE
$2,695
BALANCE
$2,695
BALANCE UPDATED
02/2016
MONTHLY PAYMENT
-
RECENT PAYMENT
-
STATUS/ ACCOUNT STATUS
Past due 60 days
- Open
- Paid
- Closed
- Past due XX days
- Refinanced
- Transferred
- Foreclosed
- View all account status
PAST DUE AMOUNT
$50
DATE OF STATUS/ STATUS UPDATED
02/2016
FIRST REPORTED
04/2012
PAYMENT STATUS
60 days late
RESPONSIBILITY
Individual
PAYMENT HISTORY
- OK: Current/Terms of agreement met
- 30 to 180: Past due XX days past due
- ND: No data for this time period
- R: Repossesion
- PBC: Paid by creditor
- IC: Insurance claim
- G: Claim filed with government
- D: Defaulted on contract
- C: Collection
- CO: Charge off
- CLS: Closed
Example of a Negative Account - Collections
ACCOUNT NAME
Gas Light Co
ACCOUNT #
955138104XXXX
RECENT BALANCE
$50
DATE OPENED
10/2011
PERSONAL STATEMENT/ COMMENTS
Delinquency due to unemployment
ADDRESS ID NUMBER
6232458942
CONTACT INFORMATION
P.O. Box 4569
Atlanta, GA 30302
(770) 994-1946
ACCOUNT TYPE
Collection Department / Agency / Attorney
- Secured Loan or Installment
- Real Estate
- Rental
- Credit Card — Revolving Terms
- Line of Credit
- Collection Department / Agency / Attorney
- Learn more about loans
TERMS
Gas Company, Natural And Bottled
ON RECORD UNTIL
02/2023
CREDIT LIMIT/ ORIGINAL AMOUNT
$150
HIGH BALANCE
$150
BALANCE
-
BALANCE UPDATED
-
MONTHLY PAYMENT
-
RECENT PAYMENT
-
STATUS/ ACCOUNT STATUS
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection
- Open
- Paid
- Closed
- Past due XX days
- Refinanced
- Transferred
- Foreclosed
- View all account status
PAST DUE AMOUNT
$50
DATE OF STATUS/ STATUS UPDATED
02/2016
FIRST REPORTED
10/2011
PAYMENT STATUS
Failed to Pay
RESPONSIBILITY
Individual
PAYMENT HISTORY
- OK: Current/Terms of agreement met
- 30 to 180: Past due XX days past due
- ND: No data for this time period
- R: Repossesion
- PBC: Paid by creditor
- IC: Insurance claim
- G: Claim filed with government
- D: Defaulted on contract
- C: Collection
- CO: Charge off
- CLS: Closed
Credit Inquiries
This section includes the names of businesses that have requested credit information about you. Inquiries may remain on your credit report for up to two years.
Credit Inquiries
- a real estate loan
- a home mortgage loan
- an auto loan
- an application for credit
ACCOUNT NAME
First USA Bank N A
INQUIRY DATE(S)/DATE OF REQUESTS
12/15/2016
BUSINESS TYPE
All banks - non specific
REMOVAL DATE
12/15/2018
CONTACT INFORMATION
P.O. Box 15298
Wilmington, DE 19850
(800) 432-3117
ACCOUNT NAME
Toyota Financial
INQUIRY DATE(S)/DATE OF REQUESTS
05/10/2015
BUSINESS TYPE
Auto financing company
REMOVAL DATE
05/10/2017
CONTACT INFORMATION
P.O. Box 15298
Wilmington, DE 19850
(800) 432-3117
ACCOUNT NAME
Bank of America
INQUIRY DATE(S)/DATE OF REQUESTS
06/05/2015
01/10/2016
ACCOUNT NAME
Bank of America
INQUIRY DATE(S)/DATE OF REQUESTS
06/05/2015
01/10/2016
Medical Information
By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Although we do not generally collect such information, it could appear in the name of a data furnisher (i.e. "Cancer Center") that reports your payment history to us. If so, those names display in your report, but in reports to others they display only as "Medical Information Provider". Consumer statements included on your report at your request that contain medical information are disclosed to others.
Disputing Information in Your Credit Report
If you disagree with an item, you may dispute it. We will generally process your dispute by sending your dispute to the furnisher of the information or to the vendor who collected the information from a public record. The fastest and easiest way to dispute most information is to visit us at: www.experian.com/disputes. You may also submit additional relevant information or supporting documentation for your disputes electronically at www.experian.com/upload. Be advised that written information or documents you provide with respect to your disputes may be shared with any and all creditors with which you are disputing.
Learn more about How to Dispute Credit Report Information.