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The
information on this page is about your Experian credit report.
Your Experian credit report collects and organizes information
about you and your credit history from public records, your
creditors and other reliable sources. Your Experian credit
report has your credit history available to your current and
prospective creditors and employers as allowed by law. An
Experian credit report does not grant credit or evaluate your
credit history. Personal data about you may be made available
to companies whose products and services may interest you.
Your
Experian credit report contains:
The
following information allows you to see what information you
can see when you get a copy of your Experian credit report.
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Your name, current and previous addresses, phone number,
Social Security number, date of birth and current and previous
employers. Your spouse's name may appear on your version
of the Experian credit report, but it will not appear on
the Experian credit report version that is provided to others.
The information on your Experian credit report comes from
your credit applications, so its accuracy depends on your
filling out the forms clearly, completely and consistently
each time you apply for credit.
- Specific
information about each account such as the date opened,
credit limit or loan amount, balance, monthly payment and
payment pattern during the past several years is provided
on your Experian credit report. This information comes from
companies that do business with you.
- Federal
district bankruptcy records and state and county court records
of tax liens and monetary judgments are also provided on
your Experian credit report. This information comes from
public records.
- The
names of those who have obtained a copy of your credit report.
A copy of your Experian credit report included their address.
This information comes from the credit reporting agency.
- Statements
of dispute, which allow both consumers and creditors to
report the factual history of an account. Statements of
dispute can only be added after a consumer officially disputes
the status of an account, the account has been reinvestigated,
and the consumer and creditor cannot agree about the account
status. Both the consumer's and creditor's statements of
the account status will appear on the credit report. Most
of the data Experian has on file is positive, indicating
that most people pay their bills on time.
Your
Experian credit report does not contain — and Experian
does not collect — data about race, religious preference,
personal lifestyle, political preference, medical history,
friends, criminal record or any other information unrelated
to credit.
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