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What is on my credit report?

Magnifying glass on top of a credit reportThe easiest way to see what is on your credit report is to obtain a free credit report from each one of the three major credit bureaus (Equifax, TransUnion and Experian) once every 12 months from annualcreditreport.com.

Alternatively, you can see your credit report and credit score online by visiting each of the credit agencies:

Equifax: Credit Report Assistance
TransUnion: www.transunion.com/credit-reports-disclosures/free-credit-report
Experian: Free Credit Report  & Free Credit Score

What will I see on my credit report?

  • Identifying information
  • Account Names
  • Credit Limits
  • Inquiry information
  • Public Records

Identifying information - Credit reports contain personal information, such as your name, address, Social Security number, and date of birth.

Account Names - All of your current and prior credit accounts and their associated details are listed in this section. Each individual account listing will include:

  • Lender name and account number
  • Current status (paid as agreed, 30 days late, etc.)
  • Date the account was opened and closed (if applicable)
  • Monthly payment amount
  • Original and current balance
  • Payment history

Credit Limits - Some creditors may report the highest balance on the account and may also report the credit limit.

Inquiry information - There are two types of inquiries: "hard" and “soft”

Soft inquiries are credit checks from current lenders, insurance companies and employers. Soft inquiries do not impact your credit score.

Hard inquiries occur when you apply for a credit card, auto loan, or an installment loan. Hard inquiries remain on your credit report for up to 24 months and may negatively impact credit scores, although the impact on the credit score may decrease with time.

Public Records - Information in the public records section can include bankruptcies, federal, state and county property tax liens, civil judgments, and collection accounts.

Frequently Asked Questions About Credit Report Information

Q. Can a paid charge-off be removed from credit report
A. A charge-off occurs when the borrower stopped making payments on a debt and the creditor informs the credit agencies of the obligation as a lost cause. A charge off may remain on your credit report for seven years from the date of the delinquency that led to the charge-off.

You can ask the lender if they will remove the charge off upon payment on the delinquency. If the lender agrees to remove the charge off in exchange for a negotiated payment, obtain an agreement in writing.

Q. Can I put a freeze on my credit report?
A. Consumers are allowed to "freeze" their credit reports. Consumers can freeze their accounts online with Experian, Equifax & TransUnion. Read more

Q. How do I get a hard inquiry off my credit report
A. Hard inquiries are not easily removed, unless they're the result of identity theft.

Q. How long does a charge off account stay on your credit report
A. Seven years

Q. What happens if I put a freeze on my credit report?
A. A credit freeze means lenders will be unable to see your credit report. A credit freeze makes it difficult for an identity thief to open new lines of credit in your name. Credit freezes do not affect your credit score, and it’s free.

Q. What is a hard inquiry on my credit report?
A. A hard inquiry occurs when a borrower applies for a new line of credit, credit card or a loan. It means that a creditor looks at your credit file to decide the risk you present as a borrower.

Q. What is a revolving account on your credit report?
A. A revolving account has an established credit limit for the consumer. A credit card is an example of a revolving account. Loan balances are usually carried over from month to month and may incur interest. Payment amounts are based on the outstanding balance amount.

Q. What is a soft inquiry on your credit report?
See above

Q. What is an inquiry on your credit report?
A. An inquiry occurs when a legally authorized person or organization accesses your credit report. Inquires may be either a hard or soft inquiry..

Q. What is the best way to dispute items on your credit report?
A. See Experian