Who Reports to Credit Bureaus?

The credit bureaus are the companies that maintain and update your credit report. They receive regular reports of debts and your payment history on those debts from your creditors and use that information to update your credit file.

Revolving Debt

All creditors with which you carry revolving debt usually make regular reports to the credit bureaus. Revolving debts are lines of credit and credit cards.

Installment Debt

Creditors to which you owe installment debts such as mortgage loans, personal loans and vehicle loans all report to the credit bureaus.

Public Records

The courts will report many public records that exist about you to the credit bureaus for inclusion on your credit report. You can expect to see evictions, judgments and bankruptcies all appear on your credit file.

U.S. Government

The U.S. government reports all federal student loans and any unpaid taxes you owe to the credit bureaus.

Delinquencies

Companies such as utility companies and cell phone providers typically do not report positive accounts to the credit bureaus. Once your debt becomes delinquent, however, the debt will almost certainly be reported.