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

The effects of charging over-the-limit

Posted on Apr 26 2016 by

Dear Experian,

I was surprised to see my credit card was reported over the limit by $19 within five days of the charge occurring. Even though it was paid within the statement date, my credit score went down by seven points. Why?

– ANW

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Obtaining a RentBureau report

Posted on Jan 03 2016 by

Dear Experian,

How do I get a free consumer report from Experian RentBureau? My landlord has found incorrect information on the service he uses.

– TNY

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Previous mortgage still appearing on credit report

Posted on Dec 19 2015 by

Dear Experian,

We refinanced our home with a different lender and my credit report is showing I have two mortgages. How long will it take for the lender that was paid off to drop off my credit report?

– TKD

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The difference between credit counseling and debt settlement

Posted on Dec 07 2015 by

Dear Experian,

What is difference between credit counseling and debt settlement?

– CKB

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Removing an incorrect address from your credit report

Posted on Sep 30 2015 by

Dear Experian,

An address for my bankruptcy lawyer suddenly appeared on my credit report as a single family residence and you won`t let me remove it. It says to contact the creditor, but doesn’t say who that is. I don’t have any mail going there, nor do I live there. Why is this on there, and why won`t you remove it?

– RSR

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Paid auto loan remains on credit report

Posted on Sep 06 2015 by

Dear Experian,

When checking my credit report, I noticed that my old auto loan was still on the report. I had received a letter from them months ago saying the account was paid in full. How do I go about disputing this?

– IMA

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Dealership pulled copy of credit report in error

Posted on Oct 21 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 21 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 15 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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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.