120 Days Late
If you missed a scheduled payment on an account by 120 days, the company may report your Payment Status as 120 Days Late.
90 Days Late
If you missed a scheduled payment on an account by 90 days, the company may report your Payment Status as 90 Days Late.
60 Days Late
If you missed a scheduled payment on an account by 60 days, the company may report your Payment Status as 60 Days Late.
30 Days Late
If you missed a scheduled payment on an account by 30 days, the company may report your Payment Status as 30 Days Late.
The unique number assigned by a creditor to identify your account with them, such as a Credit Card Number. We hide several digits of the account number to protect your information from identity theft.
The name of the company associated with the account.
A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. Unclassified accounts include deferred, lost or stolen, refinanced, and transferred accounts. Unknown accounts do not have enough information provided by the credit bureau to determine a status.
The type of the account; for example "Real Estate Loan" or "Credit Card".
Accounts, also known as "tradelines", are a generic term for all Real Estate Loans, Installment Loans, Credit Cards, Retail Cards, and Collections.
Accounts Delinquent Right Now
The total number of your accounts that are currently reporting a delinquent payment.
Accounts Ever 30 Days Late (But Not Worse)
The total number of your accounts reporting at least one 30-day late payment, but nothing worse (such as a 30-day late payment).
Accounts Ever 60 Days Late or Worse
The total number of your accounts reporting at least one 60-day late payment, or worse.
Accounts Ever 60 Days Late or Worse
The total number of your accounts reporting at least one 60-day late payment, or worse.
Accounts Ever Late
The total number of accounts reporting any late payments or other delinquencies.
The address for the company associated with the record.
Your current and recent previous addresses, according to the credit bureau.
The date the alert was delivered to us by the credit bureau.
Also Known As
Any known aliases associated with your credit report.
The amount owed through your Public Record.
Person permitted by a credit cardholder to charge goods and services on the cardholder’s account but who is not responsible for repayment of the debt. The account displays on the credit reports of the cardholder as well as the authorized user. If you wish to have your name permanently removed as an authorized user on an account, you will need to notify the credit grantor.
Average Age of Accounts
The average age of all the accounts on your credit report (including closed accounts). 15% of your credit score is based on your average age of accounts.
Average Credit Card Limit
The average of the credit limits on all your open credit card accounts.
The current amount owed on the account.
The date that the balance owed on the account was determined.
Balance on Open Credit Cards
The total amount owed on all your open credit cards.
Balance on Open Retail Cards
The total amount owed on all your open retail cards.
If your account has a large final payment as part of the terms, this is the amount of that payment.
The total number of your accounts handled by a collection agency. This occurs when a debt is charged-off and then sold to a collection agency who will try to recover all or a portion of the debt.
A co-maker is sometimes required in situations where an applicant’s risk level doesn't qualify them for a loan. A co-maker is legally responsible to repay the charges in the joint account agreement.
Optional comments or notes appended to the account by the company holding the account, or by the credit bureau.
The name of the company associated with the record.
If your account was bought or sold, the name of the company who purchased the account.
Person who pledges in writing as part of a credit contract to repay the debt if the borrower fails to do so. The account displays on both the borrower’s and the co-signer’s credit reports.
The name of the court presiding over your Public Record.
Credit and Retail Card Debt
The total balance of all your credit and retail cards.
Credit and Retail Cards Maxed Out
The number of open credit and retail cards you have where the balance is at least 90% of the credit limit.
The total you have available to spend on credit and retail cards. For example, if you had a total credit limit of $100 and carried a $10 balance, then your credit available would be $90.
Credit Cards are credit accounts that you can use anywhere such as Visa, or Mastercard. Open Credit Cards can still be used, Closed Credit Cards can no longer be used.
Credit Cards Ever Late
The total number of your credit card accounts reporting any late payments.
The amount of credit available to borrow on an account.
Credit Limit for Open Credit Cards
The total amount of money available to borrow on all your credit card accounts.
Credit Limit for Open Retail Cards
The total amount of money available to borrow on all your retail card accounts.
Confidential report on a consumer’s payment habits as reported by their creditors to a consumer credit reporting agency.
Credit Scores are the numerical results of a calculation based on the information in your Credit Report that lenders use to determine the risk they take by approving a loan or line of credit.
The percentage of credit that you have used. Also called credit utilization, the percentage is determined by dividing your balance by your credit limit.
The percentage of your total credit limit across all credit and retail cards that has been spent. For example, if you had a total credit limit of $100 and carried a $10 balance, then your Credit Used % would be 10%.
Definition of Credit Score
A Credit Score summarizes your credit history into a number that lets lenders and others quickly know how responsible you have been with your past credit accounts and loans...
The company did not provide any information for this period. This has no impact on your credit.
Indicates the date an account was opened.
Accounts classified into categories according to the time past due. Common classifications are 30, 60, 90 and 120 days past due. Special classifications also include status like charge-off, repossession, or transferred.
Granted by the court to release a debtor from most of his debts that were included in a bankruptcy. Any debts not included in the bankruptcy – alimony, child support, liability for willful and malicious conduct and certain student loans – cannot be discharged.
When a consumer files a bankruptcy, the judge may decide to not allow the consumer to continue with the bankruptcy. If the judge rules against the petition, the bankruptcy is known as dismissed.
If a consumer believes an item of information on their credit report is inaccurate or incomplete, they may challenge, or dispute the item. The bureau will investigate and correct or remove any inaccurate information or information that cannot be verified.
Failed to Pay
If you missed a scheduled payment on account by a long duration, the company may report you as Failed to Pay. Companies will typically do this after 120 or 180 days of delinquency, and usually close the account when they do so.
The date your Public Record was filed with the government.
The highest amount that you have owed on an account to date.
Every time you apply for credit, a "hard inquiry" is placed on your Credit Report. Having too many hard inquiries could indicate to lenders that you're trying to overspend. Hard inquiries stay on your report for 25 months. 10% of your credit score is based on your number of hard inquiries. Soft inquiries, which occur when you check your own credit report or when someone reviews your report for a different situation (like a background check), do not appear on your credit report and do not impact your credit.
The date that the company acquired a copy of your credit report.
The total balance of all your installment loans. Installment Loans are loans with fixed amounts that you pay over time such as Student or Auto Loans. Mortgages are an exception and are not considered Installment Loans.
Installment Loans are loans with fixed amounts that you pay over time such as Student or Auto Loans. Mortgages are an exception and are not considered Installment Loans.
A petition filed by certain credit grantors to have a debtor judged bankrupt. If the bankruptcy is granted, it is known as an involuntary bankruptcy.
The last date the account information was updated by the creditor.
Legal document used to create a security interest in another’s property. A lien is often given as a security for the payment of a debt. A lien can be placed against a consumer for failure to pay the city, county, state or federal government money that is owed. It means that the consumer’s property is being used as collateral during repayment of the money that is owed.
The minimum required monthly payment, according the company holding the account.
Your name, as reported by the credit bureau.
The new address that has been associated with your credit report.
The new phone number that has been associated with your credit report.
OK (Payment Status)
The company reported that during this month, you made all scheduled payments.
Length of time since the oldest account on your credit report has been opened.
If the account was bought or sold, the name of the company who originally held the account.
Indicates who is responsible for an account; such as single, joint, or co-signer.
The balance currently reported as past-due by the company holding the account.
A brief message describing your payment history with a specific account. Reflects the previous history of the account, including any delinquencies occurring during the previous seven years; such as "Current", "30 Days Late", and "Charged-Off".
You may request that a general explanation about the information on your report be added to your report. The statement remains for two years and displays to anyone who reviews your credit information. Most people do not have one of these, and they are usually regarding identity theft, or active military service.
The phone number for the company associated with the record.
The person or entity who initially brings legal action against another (defendant) seeking a court decision.
Information reported by government agencies about debts associated with bankruptcies, tax liens, and judgments.
Real Estate and Other Debt
The total balance of all your real estate loans. This number may include some other accounts that are not classified as specifically installment loans, credit cards, or retail cards.
Real Estate Loan Payment Status
The payment status of any open real estate loans. If you have multiple real estate loans, this value represents the worst payment status reported by any of the loans.
Real Estate Loans
Real Estate Loans, like Installment Loans, are loans with fixed amounts that you pay over time. Real Estate Loans deal specifically with mortgages, refinancing mortgages, and home equity loans.
The unique number assigned by the courts to identity your Public Record.
Retail Cards are credit accounts that you can use in one place only, such as Gas Cards or Department Store Cards.
Credit Risk Levels are ranges of Credit Scores that lenders use to determine the risk they take by approving a loan or line of credit.
The business or organization that supplied certain information that appears on the website.
The date that the payment status on the account was determined.
This refers to the debt repayment terms of your agreement with a creditor, such as 48 or 60 months.
Time Since Late
The amount of time that has passed since the last late payment or other negative event was posted to your credit report.
Total number of accounts appearing on your credit report.
Total Credit Limit
The total amount of money available to borrow on all your credit or retail card accounts.
The total amount owed on all your accounts.
The type of the company that acquired a copy of your credit report.
Type of Record
The type of Public Record reported; this can be various types of tax liens, bankruptcies, or judgments.
Worse Current Status
The worst payment status of any account right now.
The worst payment status of any account, even if it happened in the past.
Year of Birth
The year you were born, according to the credit bureau.