• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

National Debt Relief

National Debt Relief - A+ BBB Accredited Business - Get Relief From Credit Card Debt, Medical Bills And Unsecured Loans

Talk to a debt counselor toll free:

800-300-9550

Get Relief From Credit Card Debt

Medical Bills and Unsecured Loans

  • Apply Now
    • Qualifications
    • Is This Right For Me?
  • Proven Results
    • Debt Relief Benefits
    • Credit Card Debt Relief
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Login
HomeBlog BlogSix Things That Won’t Appear On Your Credit Report
Video Transcript

Free Debt Consolidation Quote

By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
  • National Debt Relief, LLC BBB Business Review
  • McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Six Things That Won’t Appear On Your Credit Report

April 3, 2013 by National Debt Relief

There are a lot of things that will appear on your credit report. For example, 35% of your credit report is based on your “credit history,” or how well you’ve handled credit. If you’ve missed payments, had a judgment against you or a debt moved to a collection agency, this would be on your report. However, there are a number of things that won’t appear on your report – for better or for worse.woman looking at report

Your income

While you might think the amount of money you earn would have an effect on your credit report, it never includes your income. The reason for this is because income is not thought to be a measure of how creditworthy you are. The difference is that your credit scores and credit reports are designed to let a creditor know if you’re likely to make a payment not whether you have the financial ability to make a payment. In addition your salary, there are other income sources that won’t show up such as unemployment benefits, child support, alimony and public assistance.

Job loss

If you become unemployed, this will not be on your credit report, either. You might tell individual creditors such as your mortgage comapny that you’ve lost your job but this won’t be reported to the credit bureaus. However, employment information could be there but this will vary dependent on which credit report your lender requests – from Experian, Equifax or TransUnion.

Merging lives

Despite what many people think, if you get married this does not mean that there will be a joint credit report for the both of you. If someone requests your credit report, the lender will see only your credit history, along with your accounts and debts where your name shows up. This doesn’t matter whether you’re married or not. However, some of your obligations may show up. For example, if you are a cosigner or a joint account holder, this information might be in your report. But your credit report won’t show the names of those people on the other accounts.

A criminal record

If you were arrested for some minor infraction as a teenager, relax. This won’t be on your credit report. The fact is the three credit bureaus simply do not include criminal information on their credit reports with three exceptions. If you had a financial problem that involves the courts such as a lien or judgment, this will be on your report. Child support payments can show up. If you get a ticket or fine and it goes to collection, your report will probably show the final collection activity.

Your medical history

A piece of legislation was passed a few years ago called the Fair Credit Reporting Act. It bars companies from adding information to your report that would jeopardize your medical privacy. This means that as a rule medical debts will not appear on your report – unless they go to collection.

“Unusual” loans

If you’ve taken out an “unusual” loan such as pawning an item, getting a one of those payday loans or signing for a car title loan, this won’t be on your credit report. Of course, if you default on one of these types of loans and your lender hires a collection agency, this will likely show up on your credit report. Another item that won’t be on your report is reloadable debit cards. The reason for is because they are not credit. Another “lender” that is usually not found on credit reports is information from utility providers.

Do you qualify for debt consolidation?

National Debt Relief
National Debt Relief

National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

Follow National Debt Relief: Facebook Twitter Instagram Linkedin

Primary Sidebar

Consolidate Your Debt!
Find out how NDR could help.
  • Get one low monthly payment
  • Avoid bankruptcy
  • Get out of debt in 24-48 months
Get Your Free evaluation
Free Debt Consolidation Quote
By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
 Trusted By Our Clients

"Satisfied Client"

My experience with National Debt Relief has been extremely positive. They are professional, trustworthy and friendly. They understood my situation and took the time to listen to my concerns. The provided clear explanation of the process and answered my many questions. I'm grateful for them and excited to be on the road to becoming debt free. Thank you National Debt Relief.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Maryann Clark
ConsumerAffairs Reviews

Latest Blog Posts

  • How To Write The Perfect Salary Negotiation Email
  • How To Go Back to School as an Adult
  • Is It the Right Time to Ask for Raise?
  • How To Turn A Summer Gig Into A Full Time Job
  • Debt Consolidation: 7 Tips on How to Pay Debt Off
National Debt Relief, LLC BBB Business Review AFCC Top Ten Reviews Gold Top Consumer Reviews Consumers Advocate Trust Pilot
Company
  • About Us
  • Contact Us
  • Blog
  • Careers
  • Corporate
  • Privacy Policies
  • Terms Of Site
  • Disclaimer
  • Sitemap
Products
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Debt Settlement
  • Calculators
  • FAQs
Debt Resources
  • Credit Card Debt
  • Medical Debt
  • Personal Loan Debt
  • Unemployment
  • Divorce Debt
  • Retiree Debt
  • Veteran Debt
  • Business Debt
  • Personal Finance
Follow Us
  • Facebook
  • Twitter
  • Linkedin
  • Instagram
  • Pinterest

© 2021, National Debt Relief, All Rights Reserved.

Disclaimer
Disclaimer
Disclaimer