Posts by experian.team:

Dealership pulled copy of credit report in error

Dear Experian,

I recently found out that a car dealership pulled a hard inquiry on my credit without my consent. I also had a password protected account with them. The employee at the dealership who pulled it admitted that he did this and did not have my consent. What should I do?

– JJB

Student loans reported by individual enrollment period

Dear Experian,

I have an account number that was reported late for student loans. I did not realize the amount due had changed, so I continued to send the old payment amount. Once I knew I was behind, I contacted the lender and told them how I planned to get caught up. I followed through with plan and am trying to get the negative information removed because it has ruined my good credit. Each part of the loan account was reported as delinquent separately, so now my report shows seven late payments, even though I only paid the wrong amount one time. This does not seem right.

– SJB

Updating report to show lien released

Dear Experian,

How do I amend my credit report to show that a federal tax lien has been released?

– CCF

Removing incorrect employment information

Dear Experian,

There is a previous employer listed in my credit report that I have never heard of nor worked for. How might this impact my credit rating, and how do I correct the information?

– JCO

How to lift a security freeze

Dear Experian,

How do I lift my freeze in your company?

– GSN

Disputing charges on credit card account

Dear Experian,

Will disputing a charge on my credit card affect my credit? Can the company with which I am in dispute give me a bad credit report? My phone was shipped to me and signed for by someone else. I did not receive it. –The company refuses to send me a new one so I am disputing the charges.

– TNM

Credit scores are not included in credit reports

Dear Experian,

I got my credit report, but where is my credit score? How do I get it?

– JLE

Just Charge It: Why I No Longer Max Out My Credit Cards

Financial blogger Deacon Hayes shares how he reversed a spending mindset to conquer debt and boost credit confidence. When I was 18 years old, I decided to apply for a credit card so I could start building my credit. It’s a common story. I was surprised at how fast I got my first approval – it […]

Why Checking Your Credit Report Won’t Hurt Your FICO® Score

An Experian survey in 2013 found that 49 percent of Americans check their credit scores at least once a year. While it seems that many understand the importance of checking their credit report regularly, there’s still room for improvement for more than half of Americans. Wondering why it makes sense for you to consult your […]

What is Your State of Credit?

Experian’s fifth annual State of Credit highlights the U.S. cities with the highest and lowest credit scores, bankcard usage, average debt as well as other factors in more than 100 metropolitan areas across the country. To find out where your city ranks, click on a state, scroll over a city and view the information for […]