Report Advice

Date an account is opened has no bearing on when an account is deleted

Posted on Dec 16 2014 by

Dear Experian,

I haven’t paid my credit cards in four years. How long will it take them to be removed? I opened the accounts in 2007.

- ANL

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What the term “derogatory” means in a credit report

Posted on Nov 30 2014 by

Dear Experian,

I have something showing on my credit report called derogatory. Can you please explain to me what that means?

- WDS

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Changing the telephone number in a fraud alert

Posted on Nov 24 2014 by

Dear Experian,

How do I go about changing my telephone number? Creditors have denied me credit because the phone number on my alert is not updated. How do I remove a fraud alert?

– KYC

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Name change should not cause loss of your credit history

Posted on Nov 23 2014 by

Dear Experian,

I have had a name changed, but kept the same Social Security number. However, when getting a credit card I was declined due to having no credit history. My prior name had credit history. Do you know why this would happen?

- LST

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Requests for your credit history

Posted on Nov 14 2014 by

Dear Experian,

How do I find out who has looked at my credit report?

- GDS

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Disputing an incorrect address on your report

Posted on Nov 14 2014 by

Dear Experian,

There is an address on my credit report at which I never resided. How do I get that removed or corrected?

- MLA

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Accounts may be reported even without Social Security number

Posted on Nov 09 2014 by

Dear Experian,

Can a credit agency post something on my credit report without my Social Security number?

– KOK

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Judgment will still appear on report once satisfied

Posted on Nov 01 2014 by

Dear Experian,

I had a judgment filed against me in June of 2010. When I found out, I contacted the bank and settled with them. Why does it still show a judgment on my credit report?

- SYZ

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What it means when there are name and social security number variations

Posted on Nov 01 2014 by

Dear Experian,

What do I do when two names and Social Security numbers are on one credit report?

– KCH

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Delinquent account will still remain on report once settled

Posted on Oct 24 2014 by

Dear Experian,

I recently paid a settlement on a delinquent account. I have the release letters and was told I can send them in directly in order to have the information removed from my credit report. Can you tell me how to do this?

– KJF

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Broken lease appears on tenant screening report

Posted on Oct 24 2014 by

Dear Experian,

My daughter’s report is showing she had a broken lease in November 2013. However, she just moved out in July. How can she correct this?

– SHL

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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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Updating balance information

Posted on Oct 22 2014 by

Dear Experian,

On your website, you state that you update credit card payments when my bank does. My credit report from your institution is three months behind. This is affecting my credit scores and causing me to be denied credit.

– IWR

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Inquiry will appear on report whether application is approved or declined

Posted on Oct 15 2014 by

Dear Experian,

Should the hard inquiry I have on my credit report from applying for credit be removed if I ended up getting approved and establishing credit with the credit card company?

– DLN

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Updating report to show home ownership

Posted on Oct 15 2014 by

Dear Experian,

I am the owner of a house with a paid mortgage, which I am renting to family. How will this affect my credit scores, and how can I update my credit report with this information?

– JDB

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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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Social Security number variations not necessarily result of fraud

Posted on Aug 27 2014 by

Dear Experian,

I was told by the bank that Experian was reporting the incorrect Social Security number. How do I verify the information that Experian has on file for me?

- TTM

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Updating the phone number on your credit report

Posted on Aug 27 2014 by

Dear Experian,

I need to update my phone number on my credit report.

- MHN

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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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Credit reports show mortgage loans, but not “homeowner status”

Posted on Aug 27 2014 by

Dear Experian,

I bought a home a few months ago. How do I update my status to homeowner?

- TFW

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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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Paid account will not be deleted from your report immediately

Posted on Aug 07 2014 by

Dear Experian,

How can an account I paid off and closed still be on my report? It has been there since 2008.

- CBH

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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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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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“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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