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Using credit cards to establish your credit history

Dear Experian,

I have been approved for two credit cards with two different limits and interest rates. One offers cash back rewards. I am trying to build my credit. Should I just use the card with the better terms, or should I use both?

– BHK

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Updating an account to show “Paid in full”

Dear Experian,

I traded in a car and the dealership paid the remainder of the account balance. When will the account show on my credit report as paid in full?

– VMS

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Some credit accounts may not appear on your credit reports

Dear Experian,

Why does my good credit not show on my credit report?

– WRB

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Understanding the term “key derogatory”

Dear Experian,

What does “KD” mean, and how long does it stay on your record before being deleted?

– BBN

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Notifying Experian of the death of a relative

Dear Experian,

My mother died recently, how do I get her information into your data bank?

– PWG

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Utility payments not part of your credit report

Dear Experian, Can I improve my scores by providing you with letters of credit from my utilities? –  DPH   Dear DPH, Experian cannot add accounts to a credit report using letters from your utility company. In order to include account information, the utility company must meet the requirements of the Fair Credit Reporting Act […]

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Freezing your credit file doesn’t affect current credit accounts

Dear Experian,

I just lost my driver’s license and am considering putting a security freeze on my credit files. Would placing a freeze on my credit files interfere with me using my credit card, either online, at shops or for the services that are automatically billed to my credit card each month?

– DBH

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If you use credit, you will have a credit report

Dear Experian,

How do I get all my information removed from Experian files and databases? I want zero affiliation with credit scores. I am comfortable with a credit score of zero.

– DNL

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How a mortgage modification program can affect credit scores

Dear Experian,

I am beginning a government-sponsored HAMP mortgage modification program. My lowered first three trial mortgage payments will be reported as “partial payments.” After the trial period they will be reported as “modified.” How bad will this affect my credit score?

– DCN

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Experian credit report does not include eviction reports

Dear Experian,

An eviction is showing on my credit report, per the leasing company I submitted an application to. I have never received paperwork for an eviction, but when I contacted the courts, they show an eviction was filed against me and dismissed. They say there is no judgment against me. How can I go about removing this as it’s preventing me from finding new housing because it doesn’t show “dismissed” on my credit report.

– LPT

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Quitclaim deed does not override contractual obligation

Dear Experian,

I recently had my credit checked for a preapproval on a new home purchase and found that my credit scores and my wife’s had dropped from the high-700s to mid-600s due to two late mortgage payments on an investment property that we had quitclaimed to a family friend.

I spoke with the family friend who advised us that she never received the bills. She said it’s all paid up to date now, but I am so mad that our credit score dropped as a result. I want the property to be put in her name so that our credit will not be affected if she misses a payment again.

Is there any way to show proof to the mortgage company that the property was quitclaimed in 2009, and therefore, the bill does not come to us?.

– MJK

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When bankruptcy public records are removed from your credit report

Dear Experian,

I filed bankruptcy in 2005. It is still showing on my credit report – in 2014. How do I get it removed?

– CJN

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Divorce agreements and credit reporting

Dear Experian,

My divorce agreement requires that I write a letter to the credit agencies stating that all pre-marital debt on my report is my responsibility. Where should I send this letter?

– GYR

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Disputing fraud charges on compromised credit card account

Dear Experian,

We got our credit card information stolen when they hacked into a major retailer’s system. The fraud charges caused our credit card balance to go over the limit. Experian is now reporting that we were over the limit on our account. Why? It was clearly not our fault, but when our credit report is viewed it reflects negatively on us.

– SHR

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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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