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Removing authorized user accounts after a breakup

Dear Experian,

I broke off a relationship in October 2009 where I was an authorized user on several credit cards. My ex-girlfriend told me she removed me as authorized user. Can I get those accounts deleted off my credit report since I am not legally responsible for those debts? If so, how do I go about doing it?

- IMM

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You cannot dispute a credit score

Dear Experian,

Can I dispute the score? I have a creditor that hasn’t reported me current on several opened accounts. I show current with Experian and one of the other credit agencies but there is no account data with the third. I show the lowest score from them.

- NTA

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How long it takes for a $0.00 balance to show in your credit report

Dear Experian,

How frequently is one’s credit record updated? If I paid off an old debt and want my credit report to reflect a $0.00 balance, how long does it take to show up? How can I speed along the process?

- SAL

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Voluntary repossession remains on credit report

Dear Experian,

How do I get a voluntary repossession off of my report? It has been three months and the credit union has since sold the car.

- OTT

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Declination notice received after withdrawing loan application

Dear Experian,

I withdrew an application for credit from a national bank on the same day of my request. They still sent me the packet, and then several days later they sent me a declined notice. Does this affect my credit score?

- CHR

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Deleting a mortgage after divorce

Dear Experian,

I have been divorced over one year. My ex-spouse was awarded the house and all bills that she has with that house. I want that off my credit report. What has to be done to correct this problem?

- PRE

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CPS documents helpful in fraud by mother against child in foster care

Dear Experian,

I have received a few inquiries involving debt owed to companies. I am 21 now, and the cases were for bills from 2004 till 2008. I was 14 at the time and in foster care. I am positive it was my mother, and I have letters from the government stating I was in Child Protective Services custody. Is this enough to dispute the charges?

- CTC

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Paid debt not deleted immediately; documentation not necessary for removal

Dear Experian,

If you pay off a debt does it get taken off of your credit report with in a month? How does it get removed? Do you have to show proof of payment such as writing a letter?

- RDA

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Report number from your personal credit report essential for receiving assistance

Dear Experian,

What is my credit report number? I need it so I can speak to someone live.

- MIN

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Reestablishing credit after moving from Canada

Dear Experian,

I recently moved here from British Columbia, Canada, and when I apply for a credit card here you deny it because you say my credit information is not available. How may I make my Canadian credit record available to you so I may start a credit history here with an American credit card?

- LLY

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Paying off debts is just the first step in restoring your credit scores

Dear Experian,

I just paid the last bill off my credit in May of this year. If there is nothing else for me to pay how does my credit score increase?

- ABR

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Tampering with mail is a federal crime and fraud risk

Dear Experian,

Lately, someone has been tampering with my family’s mail. Mail pieces that contain card-like shapes have been rubbed down so that an impression of the card shows through on the outside of the envelope, and the mail piece containing my wife’s renewed driver’s license arrived opened (or at least unsealed). What should I do?

- YSS

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Past delinquencies are deleted, and you are the best person to restore your credit

Dear Experian,

Are past delinquencies that have been paid off ever removed from the credit report? Also, do you have someone that you recommend for cleaning up credit?

- WHI

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Experian does not review loan documents or notify credit repair firms to call consumers

Dear Experian,

I received a call from a law firm in Florida. They explained to me that Experian had notified them that you had reviewed my loan documents and that there were some errors in these documents and for a fee they would act on my behalf and inform the mortgage holder that they had 20 days to remedy said errors or missing info in the loan documents. They claimed once the letter was received by the mortgage company I would no longer have to make payments or repay these payments until an agreement had been reached with the lender to reduce my interest rate or even my principal if my house was under water. These missed payments would not affect my credit and the loan would be considered under dispute. They call what they do “Affirmative Mortgage Defense.” Is this a scam? Would Experian ever contact a law firm? This sounds way too good to be true!

- SHO

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Paying off old accounts is first step in credit recovery

Dear Experian,

Am I gaining anything by paying off old accounts on my reports?

- DMB

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Requesting a free report after application is declined

Dear Experian,

I just had my credit run for a credit card and was denied. The lender said Experian was used to check my credit and I am entitled to a copy of my credit report. How do I get this?

- LMS

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Credit offer sent to eight-year-old daughter

Dear Experian,

Is there a way to run a credit check on my daughter? Yesterday she received an application for a credit card. This shocked me because she is only eight years old? I do have a saving account open for her with a national lender. Would this have caused the credit to be established?

- NNI

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Creditor reporting account as “Joint” rather than as “Cosigner”

Dear Experian,

How should a loan I cosigned for my daughter be listed on my report? The creditor listed it as “Joint” but the credit union told me they put me in their system as the primary borrower, which is wrong. My daughter is the primary borrower.

- SJH

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Judgments against tenant will be reported automatically

Dear Experian,

As a small business, how do I report to credit agencies a judgment awarded to us against a tenant?

- OGI

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Removing accounts and judgments that are not yours

Dear Experian,

I have two judgments on my credit report that have been satisfied, and I don’t know how to get them removed. I also have an account from a company showing in my report, but I never had an account with them. What do I do?

- LOC

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No need to pay to improve your credit

Dear Experian,

I would like to try to fix my credit myself before I pay $865 for 60 months. What should I do first?

- KAR

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Maintaining good credit after you are married

Dear Experian,

I’m going to be married soon. Will my credit be mixed with my husband’s? What should we do to make sure we keep our good credit after the wedding?

- MHO

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Adding daughter as authorized user can help build credit history

Dear Experian,

Will adding my responsible adult daughter (age 24) as an authorized user to one of my credit card accounts help to build her credit?

- CCA

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Changing your name on your credit report

Dear Experian,

I have changed my name through naturalization. How can I change my name in my credit report?

- SLY

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Consider entire financial picture, not just credit scores, when deciding whether to close accounts

Dear Experian,

I have many small revolving store credit cards with no balance on them. How can I close them without it hurting my credit?

- ENB

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