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

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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Using credit cards to establish your credit history

Posted on Apr 11 2015 by

Dear Experian,

I have been approved for two credit cards with two different limits and interest rates. One offers cash back rewards. I am trying to build my credit. Should I just use the card with the better terms, or should I use both?

– BHK

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Updating an account to show “Paid in full”

Posted on Apr 09 2015 by

Dear Experian,

I traded in a car and the dealership paid the remainder of the account balance. When will the account show on my credit report as paid in full?

– VMS

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Some credit accounts may not appear on your credit reports

Posted on Apr 09 2015 by

Dear Experian,

Why does my good credit not show on my credit report?

– WRB

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Understanding the term “key derogatory”

Posted on Apr 07 2015 by

Dear Experian,

What does “KD” mean, and how long does it stay on your record before being deleted?

– BBN

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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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Freezing your credit file doesn’t affect current credit accounts

Posted on Feb 06 2015 by

Dear Experian,

I just lost my driver’s license and am considering putting a security freeze on my credit files. Would placing a freeze on my credit files interfere with me using my credit card, either online, at shops or for the services that are automatically billed to my credit card each month?

– DBH

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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.