How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask LegalGems Your Own Question
LegalGems, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 9905
Experience:  Research Attorney; Private Practice; Attorney Mentor; Mediator
Type Your Consumer Protection Law Question Here...
LegalGems is online now
A new question is answered every 9 seconds

I'm wondering what shows up on a credit report. All open

Customer Question

I'm wondering what shows up on a credit report. All open credit cards? Just delinquent cards? Delinquency after a certain date? And amount?
I have 3 credit cards currently open. I have been late on payments a few times. 2 of them are under $500 and one is under 1000.
i'm also wondering if I paid off these cards today and ran a report tomorrow, would anything show up?
As much detail as you can provide is much appreciated. Thank you
Submitted: 9 months ago.
Category: Consumer Protection Law
Expert:  LegalGems replied 9 months ago.

Hello! I will be reviewing your question and posting a response momentarily; if you have any follow up questions please respond here. Thanks!

Expert:  California Lawyer replied 9 months ago.


The short answer is that a lot of information shows up. Not only address information for several years, but most if not all open credit accounts and your payment status. If you pay the cards today, it will not likely be updated immediately. It takes time. One of the best ways to find out what is on your credit report is to get a copy of yours. You can do this by going to and requesting your FREE reports from the three big reporting agencies. By law your are entitled to this and it not only give you a good idea of what is in there, it will come with instructions on how to dispute something you find.

I hope this helps.


Expert:  LegalGems replied 9 months ago.

There are 5 classifications to the credit report

1. personal information

2. credit history

3. credit inquiries

4. public records

5. personal statement.

Expert:  LegalGems replied 9 months ago.

These I will discuss in more detail momentarily.

Expert:  LegalGems replied 9 months ago.

Personal information includes name, date of birth, current and past addresses and phone numbers (and relevant dates), social security number.

The credit history includes that date the credit was opened/closed, the credit limit or loan amount, the monthly balance and whether the minimum monthly payment was met, along with the statement date.

It will appear on the report for 7 years if there was a payment issue; if timely paid but no activity, it falls off after 10 years.

Expert:  LegalGems replied 9 months ago.

3. Credit inquiries - these remain for 2 years - basically this is when someone checks your credit.

4. Public records, including
bankruptcy- 10 years

tax liens- 7 years from release date; as soon as notified if withdrawn

judgment - 7 years; can be extended by re-filing the judgment

5. personal statement- if an item has been disputed, that will be noted.

Expert:  LegalGems replied 9 months ago.

The credit report is reliant on third parties (the lender) to notify the bureaus of any issues; they have contracts with the lenders, as to when they will report, and this varies based on lender. Some do it monthly, others quarterly. Credit cards are typically monthly.

The Fair Credit Reporting Act is the relevant act;

Further questions? Please post here to continue the chat. Satisfied? Kindly rate positively so I receive credit for assisting you. I hope that you feel I have earned 5 stars 🌟🌟🌟🌟🌟*****as I strive to provide my customers with great service. ☺️ (no additional charges are incurred). Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.
Expert:  LegalGems replied 9 months ago.

Hello again; just checking in to see how things worked out;
if you have further questions please don't hesitate to reach out to me here on Just Answer.

Related Consumer Protection Law Questions