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.

• Your personal credit report contains:

• Federal district bankruptcy records and state and county court records of tax liens and monetary judgments. This information comes from public records.

• 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. This information comes from companies that do business with you.

• The names of those who have obtained a copy of your credit report. (On your copy of your Experian credit report, addresses are included.) This information comes from the credit reporting agency.

• 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 credit report, but it will not appear on the version that is provided to others. This information comes in part from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.

• Statements of dispute, which allow both consumers and creditors to report the factual history of an account. Statements of dispute are 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.

• Positive rental payment history from property management companies that provide their information to Experian’s RentBureau.

Most of the data Experian has on file is positive, indicating that most people pay their bills on time.

To purchase a copy of your credit report via telephone, call 1 800 311 4769. Please have your address, ZIP CodeTM and Social Security number on hand when you call. In addition, please review our fee information.

If you are deaf or hearing impaired, you may order your report by accessing experian.com/consumer or annualcreditreport.com. You may also call 1 888 EXPERIAN (888 397 3742) to order a copy of your report or call the number on your credit report to speak with a customer service representative with the assistance of your local relay operator.

If you are blind or visually impaired within the meaning of the Americans with Disabilities Act and can provide proof upon request, you are eligible to receive your credit report or score report in an alternate format such as Braille, Large Print or Audio CD. To obtain your report in an alternate format, call 1 888 EXPERIAN (888 397 3742) where you will be prompted to select an alternate format version of your request at the end of the transaction. You may also log on to annualcreditreport.com and obtain your free annual credit report in an alternate format.

You may order your report for online viewing using our JAWS screen reader-enabled online application here.

If you are an American citizen living abroad and would like to order a copy of your credit report, send all the following information to Experian, PO Box 2002, Allen, TX 75013.

• Your full name, including middle initial and generation information
• Your date of birth
• Your Social Security number
• Two proofs of your current mailing address (such as a copy of your driver’s license, utility bill, insurance statement, bank statement or telephone bill that shows your name at your current mailing address)
• Your previous U.S. address
• Copy of a government-issued ID card

Under the Fair Credit Reporting Act (FCRA), you may be entitled to receive a free copy of your personal credit report if you have received notice within the past 60 days that you have been declined credit, employment or housing or if adverse action has been taken against you based on information from Experian, or if you received a notice that the terms of credit offered to you may be less favorable than the terms offered to consumers who have better credit histories. You can order your free report online. Or call 1 866 200 6020. If you’re not eligible, some state laws require a free credit report or a lower fee for consumers in their states.

For instant online access to your personal credit report, visit our credit report information page.

You also may call 1 866 200 6020 to request a copy of your personal credit report to be delivered by U.S. mail.

All consumers also are eligible to obtain one statutory free credit file disclosure from each of the national credit reporting companies every 12 months. You may request your disclosures at http://www.AnnualCreditReport.com or by calling 1 877 FACTACT (322 8228).  If you prefer to write, a request form is available at http://www.annualcreditreport.com.

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.

Student loans are reported individually by enrollment periods. Therefore, the loans cannot be combined.

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.

Experian stores information from credit grantors and public records in compliance with the Fair Credit Reporting Act. When you use credit, a record of your payment history is reported to credit reporting agencies. If you believe the information in the credit report is inaccurate, you may dispute it and we will investigate and correct or remove any inaccurate information or information that cannot be verified.

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.

A consumer disclosure contains a comprehensive history of your credit information, including all inquiries. A credit report contains the same type of credit information and inquiries that a lender or creditor will see when they check your credit. The key difference is that the consumer disclosure includes some inquiries (such as account monitoring and those resulting in preapproved offers) and some address and demographic information that are not displayed on the credit report viewed by lenders. Click here to order your Experian credit file disclosure for $11.50, plus applicable tax.

Experian is the first and only major credit reporting company to incorporate positive rental payment into consumers’ credit reports.

First, get a copy of your report and review it carefully. If you find an error, you may dispute it online. You also can call the telephone number on your credit report for assistance if you feel any information is inaccurate or incomplete.

Please be specific by including the account number of an item you feel is in error and explain exactly why you feel it is inaccurate. Simply saying an item is wrong does not give enough detail to help resolve the issue. Investigations of disputed items can take up to 30 days or up to 45 days for items disputed on an annual free credit report.

Some consumers pay so-called credit clinics hundreds and even thousands of dollars to fix their credit report, but only time can heal bad credit. Experian credit reports contain easy-to-follow instructions for disputing information at no charge. Information proven to be inaccurate will be changed or deleted. Federal and state laws mandate the amount of time that various credit information remains on a credit report.

If you need help repaying creditors, managing debt or setting up a personal budget, consider contacting a nonprofit credit counseling organization that offers budgeting and credit management training.

In December 2010, Experian became the first credit reporting agency to include on-time rental payment data on its credit reports. This unique data set, collected by Experian RentBureau and reported on Experian credit reports, can empower many Americans to build their credit history. Simply by paying their rent on time, responsible renters — including students, immigrants and displaced homeowners — may now have the opportunity to gain access to mainstream credit products.

Experian® RentBureau® receives updated rental payment data every 24 hours from property management companies and electronic rent payment processors across the nation. The positive, paid-as-agreed rental payment data reported to Experian RentBureau is incorporated within Experian credit reports.

Your apartment lease will appear on your credit report as a tradeline that describes your account status and activity. The tradeline will display your rental payment history on the lease for the past 25 months, if available, and will include additional information, such as the date opened, monthly payment amount and recent payment.