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

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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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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