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

Dealership pulled copy of credit report in error

Posted on Aug 24 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 Jun 01 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 27 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 Jan 31 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 22 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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Unreported auto loan could be shown as collection after voluntary repossession

Posted on Aug 07 2014 by

Dear Experian,

I bought a car about 2 years ago at a “buy-here-pay-here” lot. I have never missed a payment and have been a good customer. Since buying the car I have spent over $3,000 in repairs. I recently have been looking to get a new vehicle since the repairs are killing me financially. I was talking to a dealer about a trade in. Much to my surprise, he told me I should simply just give the car back to them. He said to check my credit report and see if they report the payments, and if I did not see it on there, which I didn’t, then giving my car back would not hurt my credit. Is it simply this easy? I am going to go upside down on the car $5,000 so it sounds so much more to my advantage, but I worry the risk of having a repo on my credit report. Any advice?

– TDB

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