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Report Advice

Your credit report is a snapshot of your credit history that contains information about how much debt you have, how much credit is available to you, and whether or not you make your payments on time. It also contains identifying information and public records, including liens and bankruptcies. Credit reports are used by lenders to make decisions about creditworthiness.

Latest Articles

Updating Bankruptcy Information

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Obtaining a Personal Credit Report

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Removing Closed Accounts in Good Standing

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You Can “Fix” Your Credit Report Without Help

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Voluntary Repossession Stays on Credit Report

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What Is a Credit Report?

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Benefits of Paying a Collection Account

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How Disputing Information on Your Credit Report Affects Your Credit

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Contact Information for Collection Agencies on Credit Report

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Can You Go to Jail for Not Paying Your Bills?

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You Cannot Dispute a Credit Score

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Can Delinquency Be Removed from Credit Report

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What is Included in a Credit Report?

  • Identifying Information: your full name and any variations you’ve used, current and past addresses, your Social Security number, employer information, and (if applicable) your spouse’s name
  • Public Records: including bankruptcies, tax liens, and civil judgments
  • Debts and Payment History: debts you currently owe, such as mortgages, credit cards, and auto loans, and your payment history for those accounts
  • Recent Inquiries: a list of anyone who has recently inquired about your credit history
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