Dear Experian,

I am trying to get a loan and am being denied because your company won’t list a score on me. Why?

- LRT

Read more ››

No comments

Dear Experian,

If I have a very good credit score and I marry someone with a bad credit score and previous debt, does that affect my credit score?

- DTR

Read more ››

No comments

Dear Experian,

If you have a repossession and then a reinstatement, does the reinstatement help your credit scores?

- CBN

Read more ››

No comments

Dear Experian,

My credit score states “time since derogatory public record or collection is too short.” What is a “derogatory public record”?

- JTR

Read more ››

No comments

Dear Experian,

Once a Chapter 7 bankruptcy is discharged, will it still affect my credit score?

- ADZ

Read more ››

No comments

Dear Experian,

I have no credit score and am unable to get credit for a car loan. How do I get a credit score? I have my own apartment and am paying all utilities. Will that help? If so how long does it take, or where should I start?

- KNY

Read more ››

No comments

Dear Experian,

I have four accounts that have a limit of $300 each. I have had these accounts for years. I would like to know if I should close them once I pay them off. I am concerned that having credit cards with low credit limits is negatively affecting me.

- JLD

Read more ››

No comments

Dear Experian,

My Experian report says my score is 781. A credit card company said my score from Experian was 720 five days earlier. They said I may be receiving a different level of reports. Does Experian report different scores with a wide range of numbers?

- JLD

Read more ››

No comments

Dear Experian,

Will checking my own credit report through Experian lower my score?

- MZN

Read more ››

No comments

Dear Experian,

If I add an authorized user who filed bankruptcy to my credit card, will that affect my credit scores?

- SDY

Read more ››

No comments

Dear Experian,

What does “too few accounts rated current” mean?

- TJM

Read more ››

No comments

Dear Experian,

I have a question about balance transfers. I have a credit card with a balance that I am paying interest on. My husband has an existing credit card balance transfer offer at 0% for 12 months. That card is under his name and it has no balance. If I transfer my balance to his offer, how will that affect our credit score? Also, do any balance transfers affect your credit scores as long as you do not utilize any of the accounts after the transaction?

- STN

Read more ››

No comments

Dear Experian,

I recently applied for a loan modification on my mortgage, but they did not qualify my application saying that based on the information I provided they felt that I can still pay my mortgage. I never stopped my payment and am still paying but wonder if just applying for the loan modification will hurt my credit?

- SLV

Read more ››

No comments

Dear Experian,

Why does my score change with inquiries?

- ADM

Read more ››

No comments

Dear Experian,

I have had a new credit card since December. They state that they are reporting to the credit bureau but I see no record of it. How can I get this card on my credit report to help my scores?

- ATK

Read more ››

No comments

Dear Experian,

I haven’t had negative activity on my credit report for over two years, and my score was recently 674. I applied for a credit card, and they did three hard inquiries but did approve me. Then right after I got the card my credit score went down eight points to 666. I called the creditor and they said they would put in a dispute for me. Can three hard inquiries cause your credit score to go down eight points, even though I was approved?

- TCL

Read more ››

No comments

Dear Experian,

My husband and I recently purchased a used car. He makes an annual income of $63,000 and I am a full-time, unemployed student. Because he had zero credit and I had student loans on creating a small credit score, we were only able to sign jointly for the car. He was told being the co-signer would be a great way to start earning credit. He’s tried to get a credit card but continues to be denied for lack of credit. We’ve had the car now for four months and all payments have been on-time. We just ran his credit looking at refinancing the car to a lower interest rate and the account is there, but he still does not have a credit score. Our bank suggested contacting you to see how long it takes before he will begin earning a credit score.

- CJF

Read more ››

No comments

Dear Experian,

I’m considering entering into a six month reduced payment plan with my mortgage lender. I understand this will have a negative impact on my credit. Will this have a worse impact than being 30 days late on my mortgage payment?

- STS

Read more ››

No comments

Dear Experian,

How will a loan modification affect my credit scores? I’ve never been late on my payments and have been approved for a modification without any late payments.

- HBO

Read more ››

No comments

Dear Experian,

My credit report says my score is reduced because I have no revolving credit accounts. Would it help my score to apply for and use a credit card?

- RYN

Read more ››

No comments

Dear Experian,

If I lower my credit limits on my credit cards, does that lower my credit score? If so, why?

- PGR

Read more ››

No comments

Dear Experian,

I have two credit cards that are affiliated with private companies. Neither of these credit cards shows up on my credit report. Both have large limits with small balances. How can I get them added to my credit report, and thus improve my credit scores?

- AMC

Read more ››

No comments

Dear Experian,

I moved to the U.S. two years ago and have since applied three times for a department store card. Requests got denied because I apparently didn’t have a credit score. I also applied for a secured credit card which got approved, and I am slowly starting to build my credit score. Unfortunately, I already have four hard requests. How can I remove older requests that were denied due to the missing credit score?

- MPC

Read more ››

No comments

Dear Experian,

Does it hurt my credit score if I settle my account?

- EWH

Read more ››

No comments

Dear Experian,

How do inquiries from utility, cable television/internet, cellular telephone and residential rentals impact credit scores since payment histories are never reported?

- MDB

Read more ››

No comments