How To Read An Experian Credit Report - Page 2
Requests for your Credit History
Any inquiries against your credit file will be listed in this section. This section is divided into two subcategories: (a) Requests Viewed by Others (b) Request Viewed by You.
"Requests Viewed by Others" are inquiries against your credit report from creditors with whom, you have applied for credit lines or loans (e.g. mortgage loan or credit card application). Some inquiries may have been originated from potential employers. Each request will have details identifying the name of the requesting company, their address, the date on which they made the request and any comments regarding the request.
"Requests Viewed by You" are inquiries against your credit report by yourself or persons who have permission to review your credit file by law (e.g. creditors wanting to offer pre-approved credit, employer about to extend an offer of employment or consumer credit reporting bureau processing a request made by you). Each request will detail the name of the requesting company, their address, the date on which they made the request and any comments regarding the request.
Personal Information
This section will detail your personal information. "Names" will reflect all variations of your name (e.g. Sam J.Doe, Samuel J. Doe, S.J.Doe). Additional information will include your date of birth, social security number, current address, previous address, phone number, current employer and any personal statements that you have made to Experian regarding your credit report.
Note: By law, Experian cannot disclose medical information, therefore any accounts of the medical nature will be listed as "Medical Payment Data".
You may also find the following credit report terms helpful:
- CURR ACCT - Account is current in payments and in good standing.
- CUR WAS 30-2 - Account is current was 30 days late twice.
- PAID - Account has been paid off and has a $0 balance and is inactive.
- CHARGEOFF - Unpaid balance on account was reported as a loss by creditor and the creditor is no longer seeking reimbursement.
- COLLECT - Account is severely delinquent and assigned to collections.
- FORECLOS - Property was foreclosed.
- BKLIQREQ - Debt was forgiven due to Chapter 7, 11 or 13.
- DELINQ 60 - Account is 60 days delinquent.
- INACTIVE - Account is inactive.
Sample Experian credit report (PDF file)
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