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You may be eligible to receive a discounted or free credit report if you meet one of the following conditions:
- • Your request for credit, insurance, employment or rental housing was denied based on information received from Experian, and you contact us within 60 days of the denial.
- • “Adverse action” was taken against you based on information in your credit report (for example, your interest rate was raised or your credit limit was decreased). The name of the credit reporting agency that provided your credit report and how to contact the agency for a copy will be provided by the company that declined your credit application or took adverse action.
- • You reside in a state where laws require credit reporting agencies to provide their residents with a free or discounted report each year even if they are not denied credit.
- • You certify in writing that you are unemployed and seeking employment or receive public welfare assistance.
- • You have reason to believe your credit file contains inaccuracies resulting from fraud.
Experian® stores information from credit grantors and public records, including bankruptcies, judgments and liens. Missed payments and most public record items remain on the credit report for seven years, with the exception of Chapter 7, 11 and 12 bankruptcies, which remain for 10 years, and unpaid tax liens, which remain for up to 10 years. Active positive information may remain on the report indefinitely. Requests for your credit history remain on the credit report for up to two years.
Your Experian credit report does not contain — and Experian does not collect — data about race, religious preference, medical history, personal lifestyle, political preference, friends, criminal record or any other information unrelated to credit.
The credit reporting agencies maintain individual credit files for each U.S. resident. They do not maintain combined files for spouses. Therefore, your credit report is separate and different from your spouse’s. Joint credit accounts you have with your spouse will appear on both credit reports.
Experian does not grant or deny credit. Each credit grantor makes that decision based on its own guidelines. Experian only stores information from credit grantors and public records and supplies this information to other creditors.
To receive a report from all 3 credit bureaus, click on the button below and see all 3 scores in minutes.