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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?


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?


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?


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.


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?


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?


How to lift a security freeze

Dear Experian,

How do I lift my freeze in your company?


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.


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?


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