Score Advice
Information to help you get the credit scores you need to qualify for the credit you want

Authorized user accounts can be disputed upon request

Posted on Nov 23 2015 by

Dear Experian, Is an authorized user responsible for the debt? If an authorized user is removed from the credit card, can the credit card also be removed from the credit report? I also read somewhere that credit bureaus will not take into account authorized users for credit scores. Is that true? – CHS Dear CHS, […]

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Dealership pulled copy of credit report in error

Posted on Oct 21 2015 by

Dear Experian,

I recently found out that a car dealership pulled a hard inquiry on my credit without my consent. I also had a password protected account with them. The employee at the dealership who pulled it admitted that he did this and did not have my consent. What should I do?

– JJB

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Removing incorrect employment information

Posted on Jul 31 2015 by

Dear Experian,

There is a previous employer listed in my credit report that I have never heard of nor worked for. How might this impact my credit rating, and how do I correct the information?

– JCO

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Credit scores are not included in credit reports

Posted on Jul 08 2015 by

Dear Experian,

I got my credit report, but where is my credit score? How do I get it?

– JLE

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Credit report will not show whether an application is approved or declined

Posted on Apr 28 2015 by

Dear Experian,

I have requested a credit line increase from my credit card company three times, and have been declined each time. Does this affect my credit history?

– GSR

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Utility payments not part of your credit report

Posted on Mar 13 2015 by

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 […]

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If you use credit, you will have a credit report

Posted on Feb 06 2015 by

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.

– DNL

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How a mortgage modification program can affect credit scores

Posted on Jan 31 2015 by

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?

– DCN

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Repossession or voluntary surrender will remain for seven years

Posted on Oct 24 2014 by

Dear Experian,

How long does a derogatory closure of an account pertaining to an auto loan affect your credit scores?

– EST

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Maintaining your own credit history after getting married

Posted on Aug 27 2014 by

Dear Experian,

When I got married my husband put everything in his name (utilities, house, etc.). I still have two credit cards in my name. How can I maintain good credit scores going forward with limited items in my name?

– JYW

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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.