Posts by experian.team:

Experian credit report does not include eviction reports

Dear Experian,

An eviction is showing on my credit report, per the leasing company I submitted an application to. I have never received paperwork for an eviction, but when I contacted the courts, they show an eviction was filed against me and dismissed. They say there is no judgment against me. How can I go about removing this as it’s preventing me from finding new housing because it doesn’t show “dismissed” on my credit report.

– LPT

Quitclaim deed does not override contractual obligation

Dear Experian,

I recently had my credit checked for a preapproval on a new home purchase and found that my credit scores and my wife’s had dropped from the high-700s to mid-600s due to two late mortgage payments on an investment property that we had quitclaimed to a family friend.

I spoke with the family friend who advised us that she never received the bills. She said it’s all paid up to date now, but I am so mad that our credit score dropped as a result. I want the property to be put in her name so that our credit will not be affected if she misses a payment again.

Is there any way to show proof to the mortgage company that the property was quitclaimed in 2009, and therefore, the bill does not come to us?.

– MJK

When bankruptcy public records are removed from your credit report

Dear Experian,

I filed bankruptcy in 2005. It is still showing on my credit report – in 2014. How do I get it removed?

– CJN

Divorce agreements and credit reporting

Dear Experian,

My divorce agreement requires that I write a letter to the credit agencies stating that all pre-marital debt on my report is my responsibility. Where should I send this letter?

– GYR

Disputing fraud charges on compromised credit card account

Dear Experian,

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.

– SHR

Why you may be asked to mail your request for a credit report

Dear Experian,

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?

– JMC

Date an account is opened has no bearing on when an account is deleted

Dear Experian,

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.

– ANL

What the term “derogatory” means in a credit report

Dear Experian,

I have something showing on my credit report called derogatory. Can you please explain to me what that means?

– WDS

Changing the telephone number in a fraud alert

Dear Experian,

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?

– KYC

Name change should not cause loss of your credit history

Dear Experian,

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?

– LST

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