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Understanding the term “key derogatory”

Dear Experian,

What does “KD” mean, and how long does it stay on your record before being deleted?


Notifying Experian of the death of a relative

Dear Experian,

My mother died recently, how do I get her information into your data bank?


Utility payments not part of your credit report

Dear Experian, Can I improve my scores by providing you with letters of credit from my utilities? –  DPH   Dear DPH, Experian cannot add accounts to a credit report using letters from your utility company. In order to include account information, the utility company must meet the requirements of the Fair Credit Reporting Act […]

Freezing your credit file doesn’t affect current credit accounts

Dear Experian,

I just lost my driver’s license and am considering putting a security freeze on my credit files. Would placing a freeze on my credit files interfere with me using my credit card, either online, at shops or for the services that are automatically billed to my credit card each month?


If you use credit, you will have a credit report

Dear Experian,

How do I get all my information removed from Experian files and databases? I want zero affiliation with credit scores. I am comfortable with a credit score of zero.


How a mortgage modification program can affect credit scores

Dear Experian,

I am beginning a government-sponsored HAMP mortgage modification program. My lowered first three trial mortgage payments will be reported as “partial payments.” After the trial period they will be reported as “modified.” How bad will this affect my credit score?


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.


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?.


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?


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?


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The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.