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Delinquent account will still remain on report once settled

Dear Experian,

I recently paid a settlement on a delinquent account. I have the release letters and was told I can send them in directly in order to have the information removed from my credit report. Can you tell me how to do this?

– KJF

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Broken lease appears on tenant screening report

Dear Experian,

My daughter’s report is showing she had a broken lease in November 2013. However, she just moved out in July. How can she correct this?

– SHL

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Repossession or voluntary surrender will remain for seven years

Dear Experian,

How long does a derogatory closure of an account pertaining to an auto loan affect your credit scores?

– EST

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Updating balance information

Dear Experian,

On your website, you state that you update credit card payments when my bank does. My credit report from your institution is three months behind. This is affecting my credit scores and causing me to be denied credit.

– IWR

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Inquiry will appear on report whether application is approved or declined

Dear Experian,

Should the hard inquiry I have on my credit report from applying for credit be removed if I ended up getting approved and establishing credit with the credit card company?

– DLN

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Updating report to show home ownership

Dear Experian,

I am the owner of a house with a paid mortgage, which I am renting to family. How will this affect my credit scores, and how can I update my credit report with this information?

– JDB

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Social Security number variations not necessarily result of fraud

Dear Experian,

I was told by the bank that Experian was reporting the incorrect Social Security number. How do I verify the information that Experian has on file for me?

- TTM

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Updating the phone number on your credit report

Dear Experian,

I need to update my phone number on my credit report.

- MHN

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Maintaining your own credit history after getting married

Dear Experian,

When I got married my husband put everything in his name (utilities, house, etc.). I still have two credit cards in my name. How can I maintain good credit scores going forward with limited items in my name?

- JYW

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Credit reports show mortgage loans, but not “homeowner status”

Dear Experian,

I bought a home a few months ago. How do I update my status to homeowner?

- TFW

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Utilization rate may be cause for lower scores when you have few accounts or low credit limits

Dear Experian,

I only have one debt which is less than $1,000. I also have two credit cards. Together they have a balance of about $2,000 each month, but I pay them off monthly. Why isn’t my credit score higher?

- KCE

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You might still owe on your mortgage after declaring bankruptcy

Dear Experian,

I want to know if I still owe my mortgage company after filing Chapter 13 bankruptcy. When I filed I was in foreclosure, and they said I owed $72,000. I paid that amount in full. Now the company is saying I owe $59,000 more. Does this sound right? I have my discharge papers from the courts.

- ARB

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Voluntary surrender of truck cosigned for during relationship could wreck credit scores

Dear Experian,

I recently co-signed for someone, and our relationship ended. They gave me the truck back and said they no longer wanted it. I have a car payment myself, so it will be hard to have two payments. I also am trying to save money to buy a house within next year. I have thought about voluntarily surrendering the vehicle. My credit has just recently improved. If I decided to do this would it ruin my credit to the point where I wouldn’t be able to get approved for a mortgage?

- CZC

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Correcting an address in your credit report

Dear Experian,

I need to dispute an incorrect mailing address on my credit file. What is the process to correct my address?

- FLR

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Car returned under Service Member Relief Act is a voluntary repossession

Dear Experian,

I am in the military and currently serving in Afghanistan. Prior to my departure I turned in my car lease under the Service Member Relief Act. When I check my credit report, it shows up as voluntary repossession, and then right after that it says “Due to military service.” Does this have a negative impact on my credit?

- JSP

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Lack of U.S. credit history can result in higher utility deposit

Dear Experian,

I’m a visiting J1 exchange professor at the University of Hawaii, and I’m being asked by the Hawaiian Electric company to pay a pretty hefty deposit for service to the house I’m renting. They have told me that Experian is the company they use for credit ratings and that the deposit is based on a rating provided by you. I have a very good credit rating in my home country. Could this rating not be used by your company?

- CHG

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Checking to see if your children have credit reports

Dear Experian,

How do I check to see if my children have open credit reports? The form requires a driver’s license number, which they do not have.

- WMV

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“Short sales” usually deleted 7 years from the mortgage’s first late payment

Dear Experian,

How long is a short sale on your credit report? We did a short sale in December 2010, and it is still on our credit report.

- SPG

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Make payments only to the collection agency that currently owns the debt

Dear Experian,

I have two collection agencies reporting the same item. If I pay the current collection company will both of them be updated as paid in full or do I have to pay them separately?

- WJH

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Closed accounts will remain in credit history for up to 10 years

Dear Experian,

How do I have old credit card accounts that are long ago closed or paid off removed from my credit report? I know that my score is negatively affected because of so many “open” accounts!

- EDC

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Collection accounts for repossessed car will show in credit report

Dear Experian,

If you have had a vehicle repossessed, will it stay on your credit if the creditor keeps selling the papers to different creditors?

- JNB

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Accounts in Ch. 13 bankruptcy remain 7 years

Dear Experian,

How long do accounts included in chapter 13 bankruptcy remain on your report?

- RCH

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Missing payments will worsen impact of mortgage short sale

Dear Experian,

How will it affect my credit score if I short sell my house without missing any mortgage payments versus missing payments prior to the sale?

- BSB

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Cosigining for an apartment lease could hurt your credit

Dear Experian,

I would like to better understand how co-signing for apartment leases affects credit.

- IAB

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Adding telephone number to temporary fraud alert

Dear Experian,

I want to add my cell phone number to my file because I just put in a 90 day fraud alert. I noticed when I pulled my file up online, you only show my home number. When I call the numbers on the letter I received, it just wants me to order a report. I already have the online report.

- MSP

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