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

Cosigining for an apartment lease could hurt your credit

Posted on Jul 08 2015 by

Dear Experian,

I would like to better understand how co-signing for apartment leases affects credit.

– IAB

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Paid student loans listed by semester won’t hurt credit

Posted on Jul 08 2015 by

Dear Experian,

I have student loans on my report with different amounts but the same account number. They are all under accounts in good standing. I think that they are repeated. They are listed nine times! I also have two other student loan accounts with the same account number but with a different company. I have consolidated my school loans twice so I’m assuming that they are from before I consolidated. Do all these hurt my credit? They are all paid/never late/closed, but I’m concerned it shows that I over extend myself.

– AMS

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Landlord does not need a judgment to report unpaid rent to Experian

Posted on Jul 08 2015 by

Dear Experian,

Does a landlord have to have a judgment against a former tenant in order for the debt to be reported? Can a collection agency report a debt without obtaining a judgment?

– WLW

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Experian will removed delinquent authorized user accounts on request

Posted on Jul 08 2015 by

Dear Experian,

I am listed as an authorized user on two of my husband’s accounts, one of which was charged off, and the other is in collections. They are showing up on my credit report and negatively impacting me. How can I get these off my credit report?

– SHR

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Authorized user account not appearing on the credit report

Posted on Jul 08 2015 by

Dear Experian,

I checked my credit report online and saw that it says I have no credit cards. I am an authorized user on a card, and I pay the balance every month. Why doesn’t it appear on my report?

– MDM

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Security freezes are not shared among the national credit reporting companies

Posted on Jul 08 2015 by

Dear Experian,

Does placing a security freeze at one credit agency extend to all three credit agencies like a fraud alert?

– SCB

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Being removed as a cosigner from children’s student loans

Posted on Jul 08 2015 by

Dear Experian,

I co-signed college loans for my children. They are now both out of school, working and re-paying the student loans on time with no delinquencies. I would like to remove my name as co-signer. Will this increase my credit score, and will it decrease their credit scores?

– PBK

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Adding an authorized user to your account won’t hurt your credit scores

Posted on Jul 08 2015 by

Dear Experian,

Will adding one or more authorized users (my husband and my daughter) to my credit card accounts affect me negatively? My daughter will not have a card to use; I only want to help establish her credit.

– AGF

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Lender might repossess van even after several years of non-payment

Posted on Jul 08 2015 by

Dear Experian,

I took out a loan for a van in 2008 and lost my job shortly afterwards. I only made two payments on it. The lender never came looking to take back the vehicle. This past week I received a letter from them stating that they want the van. What are my options? Can you help?

– GLM

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Recent late payments hurt credit scores the most

Posted on Jul 08 2015 by

Dear Experian,

Why has my credit score dropped 42 points? There is a late payment on one of my cards which has since been brought current, and four of my accounts have been paid off and have a “0” balance. Why doesn’t my score increase as quickly when I pay off accounts as it does when I miss a payment?

– KRS

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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.