The first page of a sample credit report from Experian. Experian Credit account information . Here's the credit part of the credit report. The accounts under your name, including credit cards ...

Different from a credit dispute, a goodwill letter explains why you had a late payment and asks the creditor to take it off your credit reports. Here's what you need to know to write one that works.

See related:100-word statement sample letters, FTC: 1 in 5 Americans has a mistake in credit report, How to read, understand your credit report, Credit reports -- How to get the one that's ...

Under the Fair and Accurate Credit Transactions Act of 2003, U.S. citizens are able to receive one free credit report every year from each of the three credit bureaus—TransUnion, Experian and ...