Posts by experian.team:

Changing name when married won’t link you to his bad credit

Dear Experian,

I’m getting married next week and am wondering if I should take my husband’s last name. His credit is not quite good, while mine is very good. If I take his last name, what will happen to my credit history? Should I have a joint account with my husband? What is the best way for me to protect myself from having problems from changing my last name?

– BBY

Credit report may be hurt by joint lease, utilities with roommates

Dear Experian,

My daughter is in the process of looking for a new apartment and obtained a copy of her credit report. She found her credit is “fair.” She also found her roommate’s name, Social Security number, rental history and other information listed on the report. This was quite shocking to my daughter. She is very upset. They each signed a year’s lease which expired a few months, ago. They are now on a month-to-month basis. She knows her roommate is frequently delinquent on her bills. In particular, she knows this is true in regard to their monthly rent. My daughter pays her portion on time.

Why is my daughter’s roommate listed on my daughter’s credit report? What part of the roommate’s financial life, if any, comes into play on my daughter’s credit score? How long will the roommate’s financial history and habits reflect on my daughter’s report? How can my daughter become a single entity as far as her credit is concerned?

– RBH

Responding to a security notice for a frozen credit file

Dear Experian,

We have frozen our credit with you. We just received a letter from you saying that there has been a change in the name, Social Security number, or address in our credit report. Are we in any danger of identity theft since we have already frozen our credit? We don’t want to order another credit report, so is there a way to speak to someone to find out what the problem is?

– RRO

There is no limit on the number of credit cards you can have

Dear Experian,

How many credit cards can I have? I have eight credit cards. I opened all of them within the last year (total $6,500), plus a loan for a car ($16,000). I am a housewife. My husband pays all my bills on time, but he keeps asking me to get new credit cards. I wonder if it’s damaging my credit history or my credit score. Also, is it shown on my credit report if I apply for a credit card and I do not get approved?

– ARY

Husbands and wives each have their own credit report

Dear Experian,

My husband and I are thinking about purchasing a car. I just printed out my credit report from Experian. Should my husband check his as well? Should we buy a copy of our credit scores as well before we shop for a car? Since we live in a community property state, do we share a credit score? Also, how will purchasing a car affect our credit score? We will be buying a pre-owned vehicle. This is the first time I’ve gotten a copy of my credit report.

– YPE

The effect of fraud security alerts on credit scores

Dear Experian,

I was recently notified by a college that I attended that the admissions office computer files had been hacked into and that I should notify all three major credit bureaus to flag my credit history in case of identity theft. Does this “flagging ” of my credit affect my FICO score?
– LBS

Updating your address when you move

Dear Experian,

I recently purchased a house. My address has been changed with the bank, DMV, USPS, etc. However, I tried to get a new cell phone and was told you have not updated my address despite your website saying I don’t need to notify you when I move. Please update my address within your system so that I will no longer be restricted by information not matching up.

– JHG

Responding to credit score factor that says proportion of balances to limits is to high

Dear Experian,

Recently, I was told that my proportion of balances to credit limits is high. If I keep making payments to my credit card and keep my statement balance below 20% of my credit limit, will that help?

– ATD

Spouse’s credit file must be frozen separately with each credit reporting company

Dear Experian,

My credit report is frozen. Most of my accounts are joint with my wife. Is my wife’s report automatically frozen as well, or do I have to freeze hers separately?

– CPT

When negative information will be removed from your credit report

Dear Experian,

If the account status information says the item will be moved from negative to positive on a certain date, what determines when and why that happens?

– AJH

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