Income information isn’t part of a credit report

Dear Experian,

My name was on one of my parents’ credit cards for emergencies. My name was taken off the card a couple months ago. When I applied for a credit card I got denied. The reason stated was, “Your total credit obligations, which include outstanding credit lines, are too high to meet our approval guidelines, when compared to your stated income.” What can I do to get it expunged from my record?



Dear LEN,

The first thing you should do is get a copy of your personal credit report. Because you were declined, it is free. The lender should have provided instructions to request it from the credit reporting company that provided the report it used. I’m assuming that was Experian.

The report will have instructions to dispute the account. In this case, you would dispute it as not yours, since you have no relationship to the account. If you are no longer associated with the account, Experian will delete it from your credit history.

You also should contact the lender. The information in your credit report reflects the information in the lender’s records. To ensure information is deleted from all of your credit reports, the lender must remove it from its records.

The income information did not come from Experian. Income is not part of a credit report. You provide that with your application. You would need to talk to the lender about income details you provided and how it weighs income into its decision, particularly the acceptable debt-to-income ratio required for approval of your application.

Thanks for asking.

- The “Ask Experian” team

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