Report Advice
What you need to know about this crucial financial document

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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Student loans reported by individual enrollment period

Posted on Aug 20 2015 by

Dear Experian,

I have an account number that was reported late for student loans. I did not realize the amount due had changed, so I continued to send the old payment amount. Once I knew I was behind, I contacted the lender and told them how I planned to get caught up. I followed through with plan and am trying to get the negative information removed because it has ruined my good credit. Each part of the loan account was reported as delinquent separately, so now my report shows seven late payments, even though I only paid the wrong amount one time. This does not seem right.

– SJB

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Updating report to show lien released

Posted on Aug 14 2015 by

Dear Experian,

How do I amend my credit report to show that a federal tax lien has been released?

– CCF

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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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Disputing charges on credit card account

Posted on Jul 24 2015 by

Dear Experian,

Will disputing a charge on my credit card affect my credit? Can the company with which I am in dispute give me a bad credit report? My phone was shipped to me and signed for by someone else. I did not receive it. –The company refuses to send me a new one so I am disputing the charges.

– TNM

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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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What to do when your credit report appears “mixed” with a family member’s

Posted on May 04 2015 by

Dear Experian,

It appears that my credit report is being mixed with my cousin’s. I have requested a copy of the report by mail, but received a letter that the information I provided does not match the information on my credit file. How can I get this resolved?

– JPM

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How to report identity theft and a fraudulent tax return

Posted on May 03 2015 by

Dear Experian,

Someone tried to file an income tax return using our names and Social Security numbers, so I need to report identity theft to Experian. How do I do this?

– AHK

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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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The effect of delinquencies when going through a short sale

Posted on Apr 24 2015 by

Dear Experian,

Will it have more of an impact on my credit report if I stop making my mortgage payments and become 90 days or more delinquent during a short sale process? Or will it be the same because the bank will still report it as a settled debt in the end?

– ATM

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