Why was I turned down when I asked to remove my husband’s name from our electric bill and place it in my name instead? The electric company told me to contact Experian to see why there was a “hold.”
When you asked to transfer your electric account to your name, your electricity provider likely reviewed your credit report to determine if you qualified individually for the account. Based on the information in your report, it decided not to approve the transfer. However, that decision was entirely that of your electricity provider. Experian does not make decisions to approve or decline an application.
If you don’t receive a follow-up letter from the electric company that provides you with a clearer explanation for the denial, contact them to ask for more information.
Because you were declined, you are entitled to a free copy of your credit report from the credit reporting company used by your electric provider, in this case Experian. You can request it at http://www.experian.com/reportaccess. After receiving your report, look it over carefully. The report will include instructions for how to initiate a dispute if you find any information you believe is inaccurate.
Thanks for asking.
The “Ask Experian” team