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Reaffirming debts will not cause bankruptcy public record to be deleted sooner

Dear Experian,

Can a Chapter 7 bankruptcy get deleted earlier than the 10 years if your lawyer had you agree to pay off some of the debt owed to the creditors and you also reaffirmed some of the secured debt owed in the chapter 7 case?

- EXR

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Retail credit card may appear under different name in credit report

Dear Experian,

I have two credit cards that are affiliated with private companies. Neither of these credit cards shows up on my credit report. Both have large limits with small balances. How can I get them added to my credit report, and thus improve my credit scores?

- AMC

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Marriage will not combine new husband’s old credit history with wife’s

Dear Experian,

My fiancé is divorced and lost his house to foreclosure. He has a bad credit history including bankruptcy. When we marry what are the pros and cons of my taking his name? My credit is pretty good – good enough to buy a $132,000 home two years ago. I’ve heard that marrying and taking their name is a huge mistake if there are credit problems. Can you advise, please?

- PFI

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No credit history cause for declination, not lack of credit score

Dear Experian,

I moved to the U.S. two years ago and have since applied three times for a department store card. Requests got denied because I apparently didn’t have a credit score. I also applied for a secured credit card which got approved, and I am slowly starting to build my credit score. Unfortunately, I already have four hard requests. How can I remove older requests that were denied due to the missing credit score?

- MPC

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What to do if you are mistakenly reported as deceased

Dear Experian,

I am listed as deceased on my credit history. How can I change that?

- CAG

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You cannot “opt out” of rent payment reporting

Dear Experian,

How do I opt out of The Rent Bureau?

- DWH

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Income is not part of a credit report so cannot be updated with Experian

Dear Experian, How do I get the word to Experian that my income has greatly increased? I was denied a credit limit increase on my credit card, and I think it was because they think I still have a low income. – ORI   Dear ORI, Income is not part of your credit report. Lenders […]

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Inquiry from leasing company cannot be removed

Dear Experian,

A leasing company pulled a credit report on my wife and me without our authorization. How do we have that inquiry removed from our record, and what recourse do we have against the leasing company?

- ALJ

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Paid court judgments updated automatically, not deleted immediately

Dear Experian,

I was told by the circuit court that Experian would have to come in and pull the satisfied judgment in order to remove it from my records. Is this correct?

- CAG

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Settling a debt will hurt credit scores

Dear Experian,

Does it hurt my credit score if I settle my account?

- EWH

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Payment history may cause “paid” account to be listed as “potentially negative”

Dear Experian,

I have a paid, closed account showing as potentially negative on my credit report. Why, if it shows paid, is it listed as a negative item?

- ORI

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“New” collection account will be deleted at the same time as original account

Dear Experian,

Is it legal for a collection agency to submit an account that they buy from a creditor as “new” even though that same account before it was purchased from the original creditor by the collection agency was two, three four years old? What can the consumer do to combat that practice in order to clear his or her credit?

- ALJ

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Steps for removing a tax lien filed in error

Dear Experian,

I had a lien on my account in 1999 from the state of South Carolina for payroll tax. I have a letter from them stating that the lien was filed in error, but it is still on my credit report. What can I do?

- DMW

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Impact of inquires from utilities, cable TV, rent, and cell phones on credit scores

Dear Experian,

How do inquiries from utility, cable television/internet, cellular telephone and residential rentals impact credit scores since payment histories are never reported?

- MDB

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Defining “charge off”

Dear Experian,

What is a “charge off,” and what does it mean?

- TPA

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What to do when daughter’s SSN is being used to open credit cards

Dear Experian,

Someone is using my five-year-old daughter’s Social Security number. They already have two credit cards open under her number. What should I do?

- REN

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Creditors might be able to use a credit report to locate you

Dear Experian,

Can creditors find you through a credit check?

- DMW

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Benefits of paying a collection account

Dear Experian,

I have a credit card account on my report that has gone to a collection company and was written off by the credit card company. If I make a deal with the collection company to start a payment plan and pay this off, will it affect my credit in a positive manner or is it too late for that? Also, does the collection company have to report the timely payments to you to show it is being paid?

- SCH

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Bankruptcy listed on father’s credit report

Dear Experian,

We recently went through chapter 7 bankruptcy. Our problem is that we are living in a home that belongs to my husband’s father. My husband and his father share the first initial of their first name and of course their last name. My husband’s father was mistaken for my husband and now our bankruptcy is listed on his credit report. What can we do to fix this?

- TPA

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Bank may not notify you when cosigner fails to pay

Dear Experian,

I co-signed my son’s auto loan. He was over 30 days late on one payment. Why should that impact my credit score when I was never notified by the lender or asked to make the payment? I knew I was responsible for the loan balance if asked to pay. But, I had no idea that my credit score would be lowered when I was never asked to make a payment.

- JHP

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Why your report number may be “invalid”

Dear Experian,

I received a report number, but when I put it in it says it’s invalid. Why?

- MCK

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Balance on credit report is usually what appears on billing statement

Dear Experian,

Is there a way to make a credit search show my current balance on a card rather than the balance on the last statement?

- REQ

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Car repossession could appear in minor’s credit report

Dear Experian,

If a car loan is opened in a minor’s name as a joint loan with a parent co-signer can it be reported as a repossession on the minor’s credit if the car is repossessed?

- ABA

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Credit report lists names, contact information for collection agencies

Dear Experian,

I am trying to pay off my debts with collection agencies, but I do not know who to contact as they do not send me any collection notices for my debts. Would you guys be able to provide me the telephone numbers of the collectors I need to pay off? I want to improve my credit, and I want to start by paying off all my debts.

- OON

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Verifying who has checked your credit report

Dear Experian,

How do I verify that a company indeed checked my credit report?

- HOD

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