Credit reports are conducted by Experian, a third-party provider. Results are normally delivered instantly and include open and closed account information with balance amounts, open dates, number of on-time payments, number of late payments, and date of last late payment.
Credit reports include information about:
Consumers credit history
- Vantage 3 Score
- Public Records – Bankruptcy Data
Consumers name, address and employment history
- Up to 6 names (AKAs, nicknames, maiden)
- Up to 3 addresses listed in bestness order*
- Up to 2 employments
What is a Vantage 3 Score?
A Vantage 3 Score is a type of credit scoring model, used by Experian to generate the score on your credit report. The Vantage score 3 uses the same credit scoring range as the FICO score which is between 300-850. For more information about the Vantage 3 credit scoring model, please view this article: https://www.experian.com/blogs/ask-experian/the-difference-between-vantage-scores-and-fico-scores/
How do credit inquiries affect my credit score?
Hard inquiries will remain on your credit report for two years, before dropping off. Effects to your credit may vary, please view this article for more information: https://www.experian.com/blogs/ask-experian/how-long-do-hard-inquiries-stay-on-your-credit-report/
**When generating your credit report through Zillow to apply to a rental, a soft pull is used and does not have an effect on your credit. When verifying your identity through Zillow to view screening reports, a soft pull is used and does not have an effect on your credit.
How long will a bankruptcy remain on my credit report?
Bankruptcies will remain on a credit report for 7-10 years based on the type of filing. Bankruptcies are deleted from credit reports based on the filing date. The discharge date has no effect on when the bankruptcy or accounts included in the bankruptcy are deleted. A Chapter 7 bankruptcy filing will be deleted from a credit report after 10 years, while a Chapter 13 bankruptcy filing will be deleted from a credit report after 7 years. For more information, please view this article: https://www.experian.com/blogs/ask-experian/when-chapter-7-bankruptcy-is-deleted/
*Bestness takes into account the times that the address was reported and the source. The highest-ranking will be at the top.