Life Events
Information to help ensure success as you experience important life events.

Notifying Experian of the death of a relative

Posted on Mar 13 2015 by

Dear Experian,

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

– PWG

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Divorce agreements and credit reporting

Posted on Dec 28 2014 by

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

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Roommate’s credit could be hurt if added to credit card account

Posted on Sep 21 2014 by

Dear Experian,

I added my roommate onto my credit card and lost my job. I had difficulty paying it off and it was closed. Now, her credit has been affected. I didn’t even tell her that I added her, and she never used the card. What can I do to restore her credit?

– GNW

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Entering payment plan will not “restart the clock” for removing charge off

Posted on Aug 07 2014 by

Dear Experian,

I have a charge off from 2009. I am in a payment plan. Does this mean I started the clock over on when the charge off will be removed?

– EYJ

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Bankruptcy may prevent qualifying for a credit card

Posted on Aug 07 2014 by

Dear Experian,

How can I get a credit card after a bankruptcy so I can rebuild my credit?

– MBD

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“Statement of dispute” delaying mortgage refinance

Posted on Jul 17 2014 by

Dear Experian,

We are refinancing our house. There was an account on my husband’s credit report that he had disputed at the time it was reported. It is still showing disputed. The mortgage lender told us they needed a letter from the company stating it is no longer being disputed. We did that. Now they are saying they need the statement of dispute to be removed from the credit report, and they are telling us the credit bureau is going to charge us to do that. I have never heard of the credit bureau requiring payment. Is this correct?

– MMI

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Charged off student loans still in credit report after being paid in full

Posted on Jul 17 2014 by

Dear Experian,

I have three student loans from about 12 years ago that where charged off. I paid them off in full two years ago, yet they are still reporting on my credit report. They are being reported as paid in full; however, next to that it lists a loan amount and still shows a balance. The loan amount would be the original amount borrowed, but there must be a mistake since it shows a balance even though it states paid in full. Is this affecting my credit score? Should I get a letter stating paid in full from the lender and send it in to you?

– MKD

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Original delinquency date determines when repossession and collection account will be deleted

Posted on Jul 02 2014 by

Dear Experian,

I had a repossession in July 2006, but on my credit report it states date reported January 2013. A collection agency owns the account now. When will it be removed from my history? Is it based on the date of initial delinquency or the date reported?

– TMF

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No credit history despite having several open accounts

Posted on Jul 02 2014 by

Dear Experian,

I recently tried to apply for a car loan. They told me I was denied because they could not find any of my credit history information. I have a few credit cards from department stores, so I’m not sure why this happened. What can I do to have my information updated?

– BMR

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Late payments during mortgage modification can be reported

Posted on May 29 2014 by

Dear Experian,

I have never been late with mortgage except the two months I was working on a mortgage modification with my mortgage company. I was told not to pay my mortgage payments until a determination was made, yet my account shows I was two months late. Why?

– SKV

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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.