Every consumer should check their credit reports from each of the 3 bureaus annually. Doing so will make sure your credit is up-to-date and accurate. Each reporting agency collects and records information in different ways and may not have the same information about your credit history. When you order, you will need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information on your credit report, such as the amount of your monthly mortgage payment.
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. If you wish to update this information, you may do so by calling or writing to Experian using the contact information provided on your Experian credit report. You may go online and delete an incorrect number, but we must assist you to add or change a number.
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To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address. To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided.
If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms — and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
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Other product and company names mentioned herein are the property of their respective owners. Licenses and Disclosures. Advertiser Disclosure. What's on Your Credit Report? Get Your Free Report No credit card required. Latest Research. Latest Reviews. Your credit report will list all of the name variations reported to us by your creditors, so both your current name and any previous names used may appear.
Experian maintains all these names so you have a complete record of what has been reported. This is used for identification purposes only and does not factor into your credit score. For your protection, names are typically not disputable online. If you see a name appearing on your credit report that you have never used, you can request that the information be removed. The name identification number is used to identify which accounts are associated with each individual name variation. For your protection, the Social Security number you used to obtain your credit report is not displayed, so you should not see your correct Social Security number on the report.
However, if any of your lenders have reported a different Social Security number than the one you gave us when you requested your credit report, those variations will be displayed. Addresses are listed on your credit report when they are reported to Experian by your creditors. Any address that you have provided to a lender or that you have used to receive mail may appear on your report. For that reason, many people have work addresses, post office 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. The address identification number is used to identify which accounts are associated with each individual address variation. The type of residence associated with an address may include Single Family or Apartment Complex.
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. If you have or have had a joint account with a spouse, other family member or friend, that individual's name may appear here.
Guarantors, also called cosigners, co-applicants, 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 will appear on both the primary account holder's and co-applicant's credit report. Some lenders may include the employer name you provided to them when reporting your account information.
Your employer section may include both current and previous employer names. 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. There are different types of personal statements that can be added to a credit report. These can include a consumer-initiated statement, security freeze, fraud alert, credit lock, consumer deceased, power of attorney or a minor statement.
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 and original amount or limit to identify the account. Full account numbers are not provided with your personal credit report. Experian truncates the numbers so they cannot be used to commit fraud by someone who steals your report or somehow accesses it without your permission.
The status indicates the state of the account as reported by the creditor. One of the most common are past-due amounts and these can be reported as 30, 60, 90, or days late. Typically, lenders will send accounts to collections 3 to 6 months after a payment defaults. Other common statuses include: open, paid, closed, refinanced, transferred and foreclosed.
The types of records appearing on your credit report, such as mortgages, student loans, auto loans, credit cards, charge cards and service accounts. For revolving accounts, this will indicate the current credit limit on the account. If the account is an installment loan, this will show the original amount of the loan. The amount currently past due as reported by the creditor.
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