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Individuals Cannot Report Their Own Accounts

Dear Experian,

How do I submit payment history for an account not listed on my credit report, therefore, adding a new account?


Dear CRT,

Individuals cannot report accounts directly to Experian. It simply is not feasible from a legal or technical standpoint.

In order for the payment history to be included in your credit report, your lender must subscribe to Experian's services and meet its legal and security requirements. They must encrypt their data for security purposes and must also participate in the automated dispute system so that Experian can contact them to verify or correct their data if disputed.

Not All Lenders Report Account Information

The Fair Credit Reporting Act (FCRA) does not require lenders to report your accounts to all three national credit reporting companies. Instead, they can choose to report to one, two or all three of them, or not report your accounts at all. The FCRA only stipulates what a lender must do if it chooses to report your account information.

You can ask your lender whether or not it reports to Experian. Unfortunately, if a business chooses not to subscribe to Experian's services, your account won't be able to be added.

When you apply for credit in the future, ask the lender if they report account history to one or more of the national credit reporting companies. If they don't, you might consider applying elsewhere to ensure your positive account payments help you build a strong credit history.

Thanks for asking.
The "Ask Experian" team