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.
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?
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.
I have something showing on my credit report called derogatory. Can you please explain to me what that means?
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?
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?
How do I find out who has looked at my credit report?
There is an address on my credit report at which I never resided. How do I get that removed or corrected?
Can a credit agency post something on my credit report without my Social Security number?
What is a Credit Score? A credit score is a number calculated using information from your credit history. The payment history information comes from information reported to credit reporting agencies. Credit scores represent your creditworthiness and indicate the likelihood that you will repay a debt as agreed. They are widely used by lenders. If you have car […]