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Adding a statement explaining collection accounts to your credit report

Dear Experian,

Can I include a letter in my credit report to explain a charge off or collection?

- SMB

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Difference between a voluntary surrender and repossession

Dear Experian,

If I voluntarily surrender my car to the financial institution carrying the loan, will it make a difference on my credit report? Or, is it a repossession no matter how it is repossessed?

- HAN

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Small claims judgments are reported to credit bureaus

Dear Experian,

I am a landlord that has been awarded a small claims judgment in excess of $5,000. Can this be reported to a credit bureau, if so how?

- RDT

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Using checks from your credit card company

Dear Experian,

Is it wise to use checks that your credit card company sends you stating that you can use them anyway you please?

- VPJ

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The impact of credit counseling on credit scores

Dear Experian,

How does credit counseling affect credit scores, and will credit counseling result in damage to one’s credit report or score?

- AKN

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Landlords can share credit reports with tenants

Dear Experian,

Can a landlord show a prospective tenant a copy of their credit report? Can a landlord give a prospective tenant a copy of their credit report?

- REB

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Unemployment claims do not affect your credit report

Dear Experian,

My colleagues and I had a debate over these questions: Will filing an unemployment claim be reported on credit file? If so, will it affect future credit consideration? Can you help us settle our debate?

- YAW

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Adding a fraud alert after check fraud

Dear Experian,

I was a victim of check fraud. I was told I’m entitled to seven years of free fraud alerts as long as I have a police report. Is this true? The bad checks are rolling in now, and I am concerned that they might have opened up credit in our names as well.

- GID

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How long do paid public records remain on your report?

Dear Experian,

Why is there still a public record on my account that has been paid off for four and a half years?

- NDR

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How divorce can impact your credit scores

Dear Experian,

I read that divorce does not impact your credit scores, but I’ve heard from people who are divorced that said it damaged their credit. If it doesn’t impact your scores, how does it damage your credit?

- BEL

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Unpaid utility bills can appear on your credit report

Dear Experian,

If you don’t pay your utility bill, can that go on your credit report?

- MWB

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An authorized user’s credit history does not affect your credit report

Dear Experian,

Does it affect my credit score if I have an authorized user on credit cards who does not have a good credit history? And likewise, does it help the credit score of someone with poor credit to be added as an authorized user (not joint applicant) for a card belonging to someone with a high credit score?

- BIJ

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Insurance inquires do not affect credit scores

Dear Experian,

I am shopping for car insurance. All of the insurance companies want to check my credit report. What impact will this have on my credit report?

- JNI

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Vacated judgment should be removed from the credit report

Dear Experian,

Civil and small claim judgments remain seven years from the filing date. But in my case, the judgment was vacated with the stipulation that the action was discontinued with prejudice. Will the judgment still remain seven years or will it be deleted?

- JOM

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Student loans and the benefits of consolidating them

Dear Experian,

Does it look bad to lenders checking your credit if student loans show up as several different loans? In other words, why consolidate?

- SAR

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Reporting positive rent payments can help your credit scores

Dear Experian,

How can I report my rent payments? My landlord does not.

- TCR

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Divorce decree does not remove joint accounts from your credit history

Dear Experian,

I am legally divorced. My ex-husband re-married. We had a joint mortgage account. I have a divorce decree stating I am not liable for this account anymore, but this account is on my credit report. What do I do to get this account out of my credit report?

- JLH

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Student loan will appear on cosigner’s credit report as well as the student’s

Dear Experian,

If I cosigned for a student loan, will the loan balance show on my credit report, or it will only show on the student’s credit report?

- CSY

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Loan modification could hurt your credit scores depending on how it is modified

Dear Experian,

I am interested in a modification on my mortgage loan. I would like to modify my repayment When I asked the bank if a modification would negatively impact my credit scores, I was told that it may be reported to the three credit reporting companies, but that the impact to my credit scores would be up to you. Would a modification, lower monthly payments or deferred payments lower my credit scores?

- RYR

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Removing a fraud alert after verifying you are not a victim

Dear Experian,

Is it a problem if I do not remove a fraud alert once I have confirmed that no breach was possible? Or do I have to remove the alert? I assume having the alert for 90 days is OK since I can prove who I am and do not expect to apply for any new credit.

- AJY

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Violating rental agreement could ruin your credit

Dear Experian,

Could a violation of a rental agreement ruin my credit even though I don’t owe any rent?

- MST

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Accounts still show payment history and amount past due when sent to collections

Dear Experian,

I have a couple of accounts that were purchased by another lender or collection agency. I have paid them off and they do show closed, but they still show a balance. Is this negative? Should I dispute?

- RYD

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Experian does not extend credit or provide credit cards

Dear Experian,

How can I get a credit card with Experian?

- SHL

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Removing ex-spouse’s address from your credit report

Dear Experian,

I had you remove my ex-wife’s address from my report, and now it is back on there. I need to know why, and I would like it to be removed and to stay removed.

- RPR

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Dispute results letter is sent automatically

Dear Experian,

Can I get a letter about the results of a dispute after the 30 day mark? I am trying to buy a house and they need the letter.

- KLZ

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