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
Your credit report will list all of the name variations reported to Experian by your creditors, including nicknames or middle names. By maintaining those names, Experian is able to match them to any accounts that may not have been converted yet to your current name by your lenders and include them in your credit report. It is important to use your full legal name when applying for credit, and to remain consistent in the name you provide to creditors. Reporting all variations of your name ensures that the report is a complete picture of your credit history.
NAME IDENTIFICATION NUMBER
1234567899
1234567898
1234567897
The name identification number is used to identify which accounts are associated with each individual name variation.
Address(es) Associated With Your Credit
ADDRESS
840 Stillwater Rd Bldg. B
Sacramento, CA 95605
Addresses are listed on your credit report when they are reported to Experian by your creditors. Any address that is reported as associated with an account may appear on your report. For that reason, many people have work addresses, P.O. Boxes, and even the address of a friend or family member listed. This does not affect your creditworthiness and is usually not cause for concern.
ADDRESS ID #
0546873687
The address identification number is used to identify which accounts are associated with each individual address variation.
RESIDENCE TYPE
Apartment Complex
The type of residence associated with an address may be reported by a creditor. These may include Single family or Apartment complex.
GEOGRAPHICAL CODE
0-500000-51-6440
Geographical codes associated with your listed addresses.
Other Personal Information Associated With Your Credit
SOCIAL SECURITY NUMBER VARIATION(S)
xxx-xx-1112
xxx-xx-1121
Experian lists all variations of Social Security numbers reported by creditors. In most instances the variations aren’t cause for great concern and can be rectified easily. Unrecognized names and Social Security numbers also can be a sign that you are a victim of identity theft.
YEAR OF BIRTH OR DATE OF BIRTH
1978
Your date of birth as reported by creditors.
SPOUSE OR CO-APPLICANT
James N. Lane
Guarantors, also called cosigners, co-applicant, or joint account holders have the same responsibility with regard to the debt. Cosigners and joint account holders are both equally responsible for repayment of the debt. Therefore, the account would appear on both the primary account holder’s and co-applicant’s credit report.
TELEPHONE NUMBER(S)
260-555-5555
260-555-0000
Personal identification information, such as your telephone number, is typically reported by your creditors when you apply for credit. It does not affect your creditworthiness or your credit scores.
CURRENT OR FORMER EMPLOYER(S)
XYZ Corporation
Your ID information, which may or may not include your employer, is provided for an account the first time it is reported to Experian. The names of employers provided on your credit report are not designed to represent a complete employment history. Rather, the list can help in verifying your identity.
NOTICES
Your date of birth indicates that credit may have been established before age 18.
Notices are statements based on your personal information and credit history. Suspicious items may be listed here.
Personal Statements
Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by Consumer Credit Counseling Services.
There are different types of Personal Statements that can be added into a credit report. These can include a consumer initiated statement, security freeze, fraud alert, consumer deceased, power of attorney, or a minor statement.
Public Records
Public Records are financial accounts attributed to legal actions, There are three types that can appear on a credit report: bankruptcies, tax liens, and civil judgments. 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 – Judgment
FILING DATE
11/08/2015
The date the judgment was filed on as reported by the court involved.
- Civil judgments remain on your credit report 7 years from the filing date.
- 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.
- A paid tax lien is deleted 7 years from the filing date.
REFERENCE NUMBER
98cm01342
The number that corresponds to where the public record was recorded at the court. For tax liens it often shows the book-page-sequence number; for bankruptcies it would be the Docket number.
COURT
Clayton County Magistrate
The name of the court in which the public record was filed.
PLANTIFF
AB Wireless Co.
The name, company or organization who brought the case against you in a court of law.
AMOUNT
$800
The monetary amount in damages awarded to the plaintiff.
Examples of a Negative Public Record – Tax Lien
FILING DATE
10/08/2012
The date the judgment was filed on as reported by the court involved.
- Civil judgments remain on your credit report 7 years from the filing date.
- 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.
- A paid tax lien is deleted 7 years from the filing date.
REFERENCE NUMBER
Sq92026
The number that corresponds to where the public record was recorded at the court. For tax liens it often shows the book-page-sequence number; for bankruptcies it would be the Docket number.
COURT
Henry County Superior Court
The name of the court in which the public record was filed.
PLANTIFF
Department of Revenue
The name, company or organization who brought the case against you in a court of law.
AMOUNT
$4,560
The monetary amount in damages awarded to the plaintiff.
Examples of a Negative Public Record – Bankruptcy Chapter 13 – Petition Filed
FILING DATE
01/24/2011
The date the judgment was filed on as reported by the court involved.
- Civil judgments remain on your credit report 7 years from the filing date.
- 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.
- A paid tax lien is deleted 7 years from the filing date.
REFERENCE NUMBER
9366081
The number that corresponds to where the public record was recorded at the court. For tax liens it often shows the book-page-sequence number; for bankruptcies it would be the Docket number.
COURT
Western District of Washington
The name of the court in which the public record was filed.
PLANTIFF
–
The name, company or organization who brought the case against you in a court of law.
AMOUNT
$268,504
The monetary amount in damages awarded to the plaintiff.
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
The name of the lender or account holder. In some cases, this name may be different from the name you see on your credit card or account statement. If you do not recognize the name displayed here, you can use other identifying information, such as the account open date, original amount or limit, etc. in order to identify the account. Contact information for your account holder may also be reported, such as a mailing address and/or phone number.
ACCOUNT #
6862XXXXXX
Full account numbers are not provided with your personal credit report. Experian truncates the numbers so that they cannot be used to commit fraud by someone who steals your report or somehow accesses it without your permission.
RECENT BALANCE
$200,533
The most recent balance as reported by your creditor. If you have made a payment recently, it may not be reflected here until your creditor updates again during their next reporting cycle.
DATE OPENED
11/2012
The date when your account was opened an as reported by your creditor.
PERSONAL STATEMENT/ COMMENTS
–
This type of personal statement is an account-specific statement, which is linked to a specific entry in your credit history. Account-specific statements are deleted at the same time as the account. Account specific statements can take one of two forms: “statement of excuse” and “statement of dispute”. Both the consumer’s and creditor’s statements of the account status will appear on the credit report.
ADDRESS ID NUMBER
0154226851
The address identification number is used to identify which accounts are associated with each individual address variation.
CONTACT INFORMATION
7933 Preston Rd
Plano, TX 75024
(800) 933-9100
This is the contact information provided by the creditor for this account. In some cases, there may only be an address available.
ACCOUNT TYPE
Real Estate
This indicates the type of credit account, such as:
- 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
States the length of an installment loan. Typically, payments are required on a monthly basis. If the loan is not of an installment type, a short description of the agreement may be shown. For example, “Bank Credit Cards” may be shown if the account is a credit card.
ON RECORD UNTIL
–
The date at which this record will be removed from your credit report.
CREDIT LIMIT/ ORIGINAL AMOUNT
$360,595
For revolving accounts, this would indicate the current credit limit on the account. If the account is an installment loan, this will show the original amount of the loan.
HIGH BALANCE
$360,595
Repesents the highest amount owed during the lifetime of the account. For installment type accounts, this amount is typically the Original Amount. For revolving accounts, this number represents the highest amount owed as reported by your creditor.
BALANCE
$330,502
The current amount owed on the account.
BALANCE UPDATED
02/2016
The date when your account balance was last reported by your creditor.
MONTHLY PAYMENT
$1,275
For installment type accounts, this is the monthly payment amount agreed upon with your creditor. For revolving accounts, this is typically the minimum monthly payment due on the balance of your account.
RECENT PAYMENT
$1,500
Represents the last payment made as reported by your creditor.
STATUS/ ACCOUNT STATUS
Open
The status indicates the state of the account as reported by the creditor. One of the most common are past due amounts and can be reported as 30, 60, 90, 120, or 150 days late. Typically, lenders will send accounts to collections within 3 to 6 months after a payment defaults. Other common statuses include:
- Open
- Paid
- Closed
- Refinanced
- Transferred
- Foreclosed
- View all account status
PAST DUE AMOUNT
–
The amount currently past due as reported by the creditor. The past due amount would only reflect the amount past due, and not necessarily the total amount owed. For instance, an account could have a past due balance of $25 but a current cumulative balance of $50.
DATE OF STATUS/ STATUS UPDATED
02/2016
This is the date the creditor last updated the account. This date does not affect how long an account remains on the report, and should not be confused with the “Original Delinquency Date.” The original delinquency date is the date an account first became delinquent and after which it was never again brought current.
FIRST REPORTED
11/2012
The date when the first account status was reported by the account holder.
PAYMENT STATUS
Current
The current payment status reported by the account holder. See Payment History for more information.
RESPONSIBILITY
Individual
This indicates your association with the account, such as individual, joint, cosigner, or authorized user. Since authorized users are not responsible for making payments on an account, you may contact the creditor and request to be removed if you no longer wish to be associated with the account.
PAYMENT HISTORY
The Payment Status is whether it is current/on-time and the payment history/whether it was late previously. Examples of Payment Status:
- 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
The name of the lender or account holder. In some cases, this name may be different from the name you see on your credit card or account statement. If you do not recognize the name displayed here, you can use other identifying information, such as the account open date, original amount or limit, etc. in order to identify the account. Contact information for your account holder may also be reported, such as a mailing address and/or phone number.
ACCOUNT #
1580XXXXXXXXXXXX
Full account numbers are not provided with your personal credit report. Experian truncates the numbers so that they cannot be used to commit fraud by someone who steals your report or somehow accesses it without your permission.
RECENT BALANCE
$256
The most recent balance as reported by your creditor. If you have made a payment recently, it may not be reflected here until your creditor updates again during their next reporting cycle.
DATE OPENED
10/2014
The date when your account was opened an as reported by your creditor.
PERSONAL STATEMENT/ COMMENTS
–
This type of personal statement is an account-specific statement, which is linked to a specific entry in your credit history. Account-specific statements are deleted at the same time as the account. Account specific statements can take one of two forms: “statement of excuse” and “statement of dispute”. Both the consumer’s and creditor’s statements of the account status will appear on the credit report.
ADDRESS ID NUMBER
0534564894
The address identification number is used to identify which accounts are associated with each individual address variation.
CONTACT INFORMATION
1274 Boggess St
Tremont City, OH 45372
(800) 568-4123
This is the contact information provided by the creditor for this account. In some cases, there may only be an address available.
ACCOUNT TYPE
Credit Card – Revolving Terms
The type of account indicates what kind of credit the account is. Account types can include:
- 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
States the length of an installment loan. Typically, payments are required on a monthly basis. If the loan is not of an installment type, a short description of the agreement may be shown. For example, “Bank Credit Cards” may be shown if the account is a credit card.
ON RECORD UNTIL
–
The date at which this record will be removed from your credit report.
CREDIT LIMIT/ ORIGINAL AMOUNT
$6,900
For revolving accounts, this would indicate the current credit limit on the account. If the account is an installment loan, this will show the original amount of the loan.
HIGH BALANCE
$4,053
Repesents the highest amount owed during the lifetime of the account. For installment type accounts, this amount is typically the Original Amount. For revolving accounts, this number represents the highest amount owed as reported by your creditor.
BALANCE
$1,340
The current amount owed on the account.
BALANCE UPDATED
02/2016
The date when your account balance was last reported by your creditor.
MONTHLY PAYMENT
$15
For installment type accounts, this is the monthly payment amount agreed upon with your creditor. For revolving accounts, this is typically the minimum monthly payment due on the balance of your account.
RECENT PAYMENT
$861
Represents the last payment made as reported by your creditor.
STATUS/ ACCOUNT STATUS
Open
The status indicates the state of the account as reported by the creditor. One of the most common are past due amounts and can be reported as 30, 60, 90, 120, or 150 days late. Typically, lenders will send accounts to collections within 3 to 6 months after a payment defaults. Other common statuses include:
- Open
- Paid
- Closed
- Past due XX days
- Refinanced
- Transferred
- Foreclosed
- View all account status
PAST DUE AMOUNT
–
The amount currently past due as reported by the creditor. The past due amount would only reflect the amount past due, and not necessarily the total amount owed. For instance, an account could have a past due balance of $25 but a current cumulative balance of $50.
DATE OF STATUS/ STATUS UPDATED
02/2016
This is the date the creditor last updated the account. This date does not affect how long an account remains on the report, and should not be confused with the “Original Delinquency Date.” The original delinquency date is the date an account first became delinquent and after which it was never again brought current.
FIRST REPORTED
10/2014
The date when the first account status was reported by the account holder.
PAYMENT STATUS
Current
The current payment status reported by the account holder. See Payment History for more information.
RESPONSIBILITY
Individual
This indicates your association with the account, such as individual, joint, cosigner, or authorized user. Since authorized users are not responsible for making payments on an account, you may contact the creditor and request to be removed if you no longer wish to be associated with the account.
PAYMENT HISTORY
The Payment Status is whether it is current/on-time and the payment history/whether it was late previously. Examples of Payment Status:
- 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
The name of the lender or account holder. In some cases, this name may be different from the name you see on your credit card or account statement. If you do not recognize the name displayed here, you can use other identifying information, such as the account open date, original amount or limit, etc. in order to identify the account. Contact information for your account holder may also be reported, such as a mailing address and/or phone number.
ACCOUNT #
2803XXXXXXXXXX
Full account numbers are not provided with your personal credit report. Experian truncates the numbers so that they cannot be used to commit fraud by someone who steals your report or somehow accesses it without your permission.
RECENT BALANCE
–
The most recent balance as reported by your creditor. If you have made a payment recently, it may not be reflected here until your creditor updates again during their next reporting cycle.
DATE OPENED
01/2010
The date when your account was opened an as reported by your creditor.
PERSONAL STATEMENT/ COMMENTS
–
This type of personal statement is an account-specific statement, which is linked to a specific entry in your credit history. Account-specific statements are deleted at the same time as the account. Account specific statements can take one of two forms: “statement of excuse” and “statement of dispute”. Both the consumer’s and creditor’s statements of the account status will appear on the credit report.
ADDRESS ID NUMBER
0689546512
The address identification number is used to identify which accounts are associated with each individual address variation.
CONTACT INFORMATION
2715 Spinnaker Ln
Chicago, IL 60606
(800) 367-4568
This is the contact information provided by the creditor for this account. In some cases, there may only be an address available.
ACCOUNT TYPE
Line of Credit
The type of account indicates what kind of credit the account is. Account types can include:
- 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
States the length of an installment loan. Typically, payments are required on a monthly basis. If the loan is not of an installment type, a short description of the agreement may be shown. For example, “Bank Credit Cards” may be shown if the account is a credit card.
ON RECORD UNTIL
05/2023
The date at which this record will be removed from your credit report.
CREDIT LIMIT/ ORIGINAL AMOUNT
$5,500
For revolving accounts, this would indicate the current credit limit on the account. If the account is an installment loan, this will show the original amount of the loan.
HIGH BALANCE
–
Repesents the highest amount owed during the lifetime of the account. For installment type accounts, this amount is typically the Original Amount. For revolving accounts, this number represents the highest amount owed as reported by your creditor.
BALANCE
–
The current amount owed on the account.
BALANCE UPDATED
–
The date when your account balance was last reported by your creditor.
MONTHLY PAYMENT
–
For installment type accounts, this is the monthly payment amount agreed upon with your creditor. For revolving accounts, this is typically the minimum monthly payment due on the balance of your account.
RECENT PAYMENT
–
Represents the last payment made as reported by your creditor.
STATUS/ ACCOUNT STATUS
Closed, Paid Satisfactorily
The status indicates the state of the account as reported by the creditor. One of the most common are past due amounts and can be reported as 30, 60, 90, 120, or 150 days late. Typically, lenders will send accounts to collections within 3 to 6 months after a payment defaults. Other common statuses include:
- Open
- Paid
- Closed
- Past due XX days
- Refinanced
- Transferred
- Foreclosed
- View all account status
PAST DUE AMOUNT
–
The amount currently past due as reported by the creditor. The past due amount would only reflect the amount past due, and not necessarily the total amount owed. For instance, an account could have a past due balance of $25 but a current cumulative balance of $50.
DATE OF STATUS/ STATUS UPDATED
05/2013
This is the date the creditor last updated the account. This date does not affect how long an account remains on the report, and should not be confused with the “Original Delinquency Date.” The original delinquency date is the date an account first became delinquent and after which it was never again brought current.
FIRST REPORTED
02/2010
The date when the first account status was reported by the account holder.
PAYMENT STATUS
Closed
The current payment status reported by the account holder. See Payment History for more information.
RESPONSIBILITY
Joint Account
This indicates your association with the account, such as individual, joint, cosigner, or authorized user. Since authorized users are not responsible for making payments on an account, you may contact the creditor and request to be removed if you no longer wish to be associated with the account.
PAYMENT HISTORY
The Payment Status is whether it is current/on-time and the payment history/whether it was late previously. Examples of Payment Status:
- 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
The name of the lender or account holder. In some cases, this name may be different from the name you see on your credit card or account statement. If you do not recognize the name displayed here, you can use other identifying information, such as the account open date, original amount or limit, etc. in order to identify the account. Contact information for your account holder may also be reported, such as a mailing address and/or phone number.
ACCOUNT #
44171259XXXX
Full account numbers are not provided with your personal credit report. Experian truncates the numbers so that they cannot be used to commit fraud by someone who steals your report or somehow accesses it without your permission.
RECENT BALANCE
$1,684
The most recent balance as reported by your creditor. If you have made a payment recently, it may not be reflected here until your creditor updates again during their next reporting cycle.
DATE OPENED
03/2012
The date when your account was opened an as reported by your creditor.
PERSONAL STATEMENT/ COMMENTS
–
This type of personal statement is an account-specific statement, which is linked to a specific entry in your credit history. Account-specific statements are deleted at the same time as the account. Account specific statements can take one of two forms: “statement of excuse” and “statement of dispute”. Both the consumer’s and creditor’s statements of the account status will appear on the credit report.
ADDRESS ID NUMBER
0963215875
The address identification number is used to identify which accounts are associated with each individual address variation.
CONTACT INFORMATION
1665 Center Ave
Fresno, CA 93710
(800) 658-4235
This is the contact information provided by the creditor for this account. In some cases, there may only be an address available.
ACCOUNT TYPE
Credit Card – Revolving Terms
The type of account indicates what kind of credit the account is. Account types can include:
- 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
States the length of an installment loan. Typically, payments are required on a monthly basis. If the loan is not of an installment type, a short description of the agreement may be shown. For example, “Bank Credit Cards” may be shown if the account is a credit card.
ON RECORD UNTIL
02/2023
The date at which this record will be removed from your credit report.
CREDIT LIMIT/ ORIGINAL AMOUNT
$8,850
For revolving accounts, this would indicate the current credit limit on the account. If the account is an installment loan, this will show the original amount of the loan.
HIGH BALANCE
$2,695
Repesents the highest amount owed during the lifetime of the account. For installment type accounts, this amount is typically the Original Amount. For revolving accounts, this number represents the highest amount owed as reported by your creditor.
BALANCE
$2,695
The current amount owed on the account.
BALANCE UPDATED
02/2016
The date when your account balance was last reported by your creditor.
MONTHLY PAYMENT
–
For installment type accounts, this is the monthly payment amount agreed upon with your creditor. For revolving accounts, this is typically the minimum monthly payment due on the balance of your account.
RECENT PAYMENT
–
Represents the last payment made as reported by your creditor.
STATUS/ ACCOUNT STATUS
Past due 60 days
The status indicates the state of the account as reported by the creditor. One of the most common are past due amounts and can be reported as 30, 60, 90, 120, or 150 days late. Typically, lenders will send accounts to collections within 3 to 6 months after a payment defaults. Other common statuses include:
- Open
- Paid
- Closed
- Past due XX days
- Refinanced
- Transferred
- Foreclosed
- View all account status
PAST DUE AMOUNT
$50
The amount currently past due as reported by the creditor. The past due amount would only reflect the amount past due, and not necessarily the total amount owed. For instance, an account could have a past due balance of $25 but a current cumulative balance of $50.
DATE OF STATUS/ STATUS UPDATED
02/2016
This is the date the creditor last updated the account. This date does not affect how long an account remains on the report, and should not be confused with the “Original Delinquency Date.” The original delinquency date is the date an account first became delinquent and after which it was never again brought current.
FIRST REPORTED
04/2012
The date when the first account status was reported by the account holder.
PAYMENT STATUS
60 days late
The current payment status reported by the account holder. See Payment History for more information.
RESPONSIBILITY
Individual
This indicates your association with the account, such as individual, joint, cosigner, or authorized user. Since authorized users are not responsible for making payments on an account, you may contact the creditor and request to be removed if you no longer wish to be associated with the account.
PAYMENT HISTORY
The Payment Status is whether it is current/on-time and the payment history/whether it was late previously. Examples of Payment Status:
- 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
The name of the lender or account holder. In some cases, this name may be different from the name you see on your credit card or account statement. If you do not recognize the name displayed here, you can use other identifying information, such as the account open date, original amount or limit, etc. in order to identify the account. Contact information for your account holder may also be reported, such as a mailing address and/or phone number.
ACCOUNT #
955138104XXXX
Full account numbers are not provided with your personal credit report. Experian truncates the numbers so that they cannot be used to commit fraud by someone who steals your report or somehow accesses it without your permission.
RECENT BALANCE
$50
The most recent balance as reported by your creditor. If you have made a payment recently, it may not be reflected here until your creditor updates again during their next reporting cycle.
DATE OPENED
10/2011
The date when your account was opened an as reported by your creditor.
PERSONAL STATEMENT/ COMMENTS
Delinquency due to unemployment
This type of personal statement is an account-specific statement, which is linked to a specific entry in your credit history. Account-specific statements are deleted at the same time as the account. Account specific statements can take one of two forms: “statement of excuse” and “statement of dispute”. Both the consumer’s and creditor’s statements of the account status will appear on the credit report.
ADDRESS ID NUMBER
6232458942
The address identification number is used to identify which accounts are associated with each individual address variation.
CONTACT INFORMATION
P.O. Box 4569
Atlanta, GA 30302
(770) 994-1946
This is the contact information provided by the creditor for this account. In some cases, there may only be an address available.
ACCOUNT TYPE
Collection Department / Agency / Attorney
The type of account indicates what kind of credit the account is. Account types can include:
- 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
States the length of an installment loan. Typically, payments are required on a monthly basis. If the loan is not of an installment type, a short description of the agreement may be shown. For example, “Bank Credit Cards” may be shown if the account is a credit card.
ON RECORD UNTIL
02/2023
The date at which this record will be removed from your credit report.
CREDIT LIMIT/ ORIGINAL AMOUNT
$150
For revolving accounts, this would indicate the current credit limit on the account. If the account is an installment loan, this will show the original amount of the loan.
HIGH BALANCE
$150
Repesents the highest amount owed during the lifetime of the account. For installment type accounts, this amount is typically the Original Amount. For revolving accounts, this number represents the highest amount owed as reported by your creditor.
BALANCE
–
The current amount owed on the account.
BALANCE UPDATED
–
The date when your account balance was last reported by your creditor.
MONTHLY PAYMENT
–
For installment type accounts, this is the monthly payment amount agreed upon with your creditor. For revolving accounts, this is typically the minimum monthly payment due on the balance of your account.
RECENT PAYMENT
–
Represents the last payment made as reported by your creditor.
STATUS/ ACCOUNT STATUS
Seriously past due date / assigned to attorney, collection agency, or credit grantor’s internal collection
The status indicates the state of the account as reported by the creditor. One of the most common are past due amounts and can be reported as 30, 60, 90, 120, or 150 days late. Typically, lenders will send accounts to collections within 3 to 6 months after a payment defaults. Other common statuses include:
- Open
- Paid
- Closed
- Past due XX days
- Refinanced
- Transferred
- Foreclosed
- View all account status
PAST DUE AMOUNT
$50
The amount currently past due as reported by the creditor. The past due amount would only reflect the amount past due, and not necessarily the total amount owed. For instance, an account could have a past due balance of $25 but a current cumulative balance of $50.
DATE OF STATUS/ STATUS UPDATED
02/2016
This is the date the creditor last updated the account. This date does not affect how long an account remains on the report, and should not be confused with the “Original Delinquency Date.” The original delinquency date is the date an account first became delinquent and after which it was never again brought current.
FIRST REPORTED
10/2011
The date when the first account status was reported by the account holder.
PAYMENT STATUS
Failed to Pay
The current payment status reported by the account holder. See Payment History for more information.
RESPONSIBILITY
Individual
This indicates your association with the account, such as individual, joint, cosigner, or authorized user. Since authorized users are not responsible for making payments on an account, you may contact the creditor and request to be removed if you no longer wish to be associated with the account.
PAYMENT HISTORY
The Payment Status is whether it is current/on-time and the payment history/whether it was late previously. Examples of Payment Status:
- 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
The section lists all of the companies that have requested your credit information as a result of an action you took, such as applying for credit or financing or as a result of a collection. The inquiries in this section are shared with companies that receive your credit history. Examples of inquiries shared with others or “hard” inquiries include:
- a real estate loan
- a home mortgage loan
- an auto loan
- an application for credit
ACCOUNT NAME
First USA Bank N A
Typically, accounts listed are the names of a lenders granting potential credit initiated by you. There are other organizations that may have a permissible purpose to access your credit.
INQUIRY DATE(S)/DATE OF REQUESTS
12/15/2016
The date or dates when inquiries were initiated. Multiple dates may show if multiple inquiries were made by the same lender or organization.
BUSINESS TYPE
All banks – non specific
Typical business types may include: Automobile dealers or financing, all banks, and mortgage reporters.
REMOVAL DATE
12/15/2018
Inquiries are maintained for 2 years from the date of request.
CONTACT INFORMATION
P.O. Box 15298
Wilmington, DE 19850
(800) 432-3117
This is the contact information provided by the creditor for this account. In some cases, there may only be an address available.
ACCOUNT NAME
Toyota Financial
Typically, accounts listed are the names of a lenders granting potential credit initiated by you. There are other organizations that may have a permissible purpose to access your credit.
INQUIRY DATE(S)/DATE OF REQUESTS
05/10/2015
The date or dates when inquiries were initiated. Multiple dates may show if multiple inquiries were made by the same lender or organization.
BUSINESS TYPE
Auto financing company
Typical business types may include: Automobile dealers or financing, all banks, and mortgage reporters.
REMOVAL DATE
05/10/2017
Inquiries are maintained for 2 years from the date of request.
CONTACT INFORMATION
P.O. Box 15298
Wilmington, DE 19850
(800) 432-3117
This is the contact information provided by the creditor for this account. In some cases, there may only be an address available.
Soft inquiries include prescreened credit offers, employment, insurance, account reviews from creditors you already have a relationship with, and your own requests for your credit report. Those inquiries appear only on your personal credit report. They are not shared with anyone else and don’t affect your credit scores.
ACCOUNT NAME
Bank of America
Typically, accounts listed are the names of a lenders granting potential credit initiated by you. There are other organizations that may have a permissible purpose to access your credit.
INQUIRY DATE(S)/DATE OF REQUESTS
06/05/2015
01/10/2016
The date or dates when inquiries were initiated. Multiple dates may show if multiple inquiries were made by the same lender or organization.
ACCOUNT NAME
Bank of America
Typically, accounts listed are the names of a lenders granting potential credit initiated by you. There are other organizations that may have a permissible purpose to access your credit.
INQUIRY DATE(S)/DATE OF REQUESTS
06/05/2015
01/10/2016
The date or dates when inquiries were initiated. Multiple dates may show if multiple inquiries were made by the same lender or organization.
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.