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Why you may be asked to mail your request for a credit report

Dear Experian,

I could not get my report online. It said I had to request it by mail. How and what do I do to do that?

– JMC

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Date an account is opened has no bearing on when an account is deleted

Dear Experian,

I haven’t paid my credit cards in four years. How long will it take them to be removed? I opened the accounts in 2007.

- ANL

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What the term “derogatory” means in a credit report

Dear Experian,

I have something showing on my credit report called derogatory. Can you please explain to me what that means?

- WDS

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Changing the telephone number in a fraud alert

Dear Experian,

How do I go about changing my telephone number? Creditors have denied me credit because the phone number on my alert is not updated. How do I remove a fraud alert?

– KYC

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Name change should not cause loss of your credit history

Dear Experian,

I have had a name changed, but kept the same Social Security number. However, when getting a credit card I was declined due to having no credit history. My prior name had credit history. Do you know why this would happen?

- LST

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Requests for your credit history

Dear Experian,

How do I find out who has looked at my credit report?

- GDS

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Disputing an incorrect address on your report

Dear Experian,

There is an address on my credit report at which I never resided. How do I get that removed or corrected?

- MLA

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Accounts may be reported even without Social Security number

Dear Experian,

Can a credit agency post something on my credit report without my Social Security number?

– KOK

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Judgment will still appear on report once satisfied

Dear Experian,

I had a judgment filed against me in June of 2010. When I found out, I contacted the bank and settled with them. Why does it still show a judgment on my credit report?

- SYZ

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What it means when there are name and social security number variations

Dear Experian,

What do I do when two names and Social Security numbers are on one credit report?

– KCH

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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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