Report Advice

What is Not Included in your Credit Report?

Through April 20, 2021, Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports through to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19.

Your personal credit report contains details about your financial behavior and personal identifying information. It does not include information about your marital status, medical information, buying habits or transactional data, income, bank account balances, criminal record, level of education or credit scores.

The items in your credit report are strictly debt related. If the information isn't debt related, it won't appear in your credit report.

Credit agencies don't have records of what you buy. For example, if you were to purchase a car, the type of car would not appear in your credit report. Your report will only show that you now have an auto loan and the amount owed on the car.

Previously, credit reports contained public record information on civil judgments and tax liens, but that information is no longer included. Library fines and parking tickets are also no longer reported. Today, bankruptcy is the only public record information that is included on a credit report by the national credit reporting companies, including Experian.

It's a good idea to check your credit report at least once a year, if not more often. You are entitled to one free copy of your credit report once every 12 months from each of the credit reporting companies at and you can get a free credit report from Experian.