Posts by experian.team:

The effects of charging over-the-limit

Dear Experian,

I was surprised to see my credit card was reported over the limit by $19 within five days of the charge occurring. Even though it was paid within the statement date, my credit score went down by seven points. Why?

– ANW

How to request a credit report when you are in incarcerated

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Obtaining a RentBureau report

Dear Experian,

How do I get a free consumer report from Experian RentBureau? My landlord has found incorrect information on the service he uses.

– TNY

Credit monitoring and fraud protection

Dear Experian,

I want fraud protection, but I also want to know my FICO score and have credit monitoring. Is there a program that I can get all of that?

– DTR

Previous mortgage still appearing on credit report

Dear Experian,

We refinanced our home with a different lender and my credit report is showing I have two mortgages. How long will it take for the lender that was paid off to drop off my credit report?

– TKD

The difference between credit counseling and debt settlement

Dear Experian,

What is difference between credit counseling and debt settlement?

– CKB

Authorized user accounts can be disputed upon request

Dear Experian, Is an authorized user responsible for the debt? If an authorized user is removed from the credit card, can the credit card also be removed from the credit report? I also read somewhere that credit bureaus will not take into account authorized users for credit scores. Is that true? – CHS Dear CHS, […]

Removing an incorrect address from your credit report

Dear Experian,

An address for my bankruptcy lawyer suddenly appeared on my credit report as a single family residence and you won`t let me remove it. It says to contact the creditor, but doesn’t say who that is. I don’t have any mail going there, nor do I live there. Why is this on there, and why won`t you remove it?

– RSR

Paid auto loan remains on credit report

Dear Experian,

When checking my credit report, I noticed that my old auto loan was still on the report. I had received a letter from them months ago saying the account was paid in full. How do I go about disputing this?

– IMA

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

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.