Report Advice

“Missing accounts” might not be reported by your lenders

Posted on Nov 21 2012 by

Dear Experian,

There are four accounts missing on my report, and the one account listed has the wrong creditor’s name on the account. What can I do to correct this?

-TMM

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On-time cell phone payments are not currently reported

Posted on Nov 21 2012 by

Dear Experian,

If I have a two year contract with a cell phone company, and if I pay my cell phone bill on time in full every month until the contract is up, does that build my credit score?

- CMR

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Student loans reported as “claim filed with government”

Posted on Nov 21 2012 by

Dear Experian,

My student loans were consolidated into a new loan. My old student loans now state “closed/paid collection” and, “Claim filed with government for insured portion of balance on loan.” Does this negatively impact my credit scores? I see “potential negative account” on all of the old loans. Can I get these old student loans removed to improve my credit scores?

- JNN

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How consolidated student loans will appear in your credit report

Posted on Nov 07 2012 by

Dear Experian,

I recently consolidated my student loans with one vendor, but all my other accounts still appear on my credit report. It says it has been transferred, but I would like to know if I can remove those accounts from my report since they are counting as open installment loans.

-SCB

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Tax liens in your credit report

Posted on Nov 07 2012 by

Dear Experian,

How long do public tax liens stay on your report after they have been released?

- SVB

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The difference between Chapter 13 bankruptcy and Chapter 7 bankruptcy

Posted on Nov 07 2012 by

Dear Experian,

What is the main difference between a Chapter 13 bankruptcy and a Chapter 7 bankruptcy? Also, how do the two types affect your credit rating differently?

- SRD

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Inquiries can be removed only if fraudulent

Posted on Nov 07 2012 by

Dear Experian,

Can inquiries be removed from your credit report?

-VNT

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Removing an incorrect address in your credit report

Posted on Oct 24 2012 by

Dear Experian,

You have me listed at an address I have never lived at. How is this removed?

-DNW

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Cosigning a loan could affect your ability to get credit in the future

Posted on Oct 24 2012 by

Dear Experian,

Will cosigning a student loan hurt my chances of receiving a car loan in the future?

-SWK

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Moving from Canada to the U.S.

Posted on Oct 10 2012 by

Dear Experian,

I moved to the U.S. in January 2012 from Canada. I obtained a Social Security number and got a secured credit card, and I was lucky enough to get a car loan. I have been paying both accounts on time every time. This all occurred in February and March and still I have no credit report. When can I expect to have a credit report? I tried today, and Experian is still not showing any information for me.

-BMR

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Application declined because credit score can’t be calculated

Posted on Sep 26 2012 by

Dear Experian,

I am trying to get a loan and am being denied because your company won’t list a score on me. Why?

- LRT

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Collection account added after declining settlement offer

Posted on Sep 26 2012 by

Dear Experian,

A debt collector contacted me about a debt that isn’t on my credit report. If I don’t pay him the settlement offer he proposed, can he then add the account to my report?

- RBL

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Eviction is not shown on a credit report

Posted on Sep 12 2012 by

Dear Experian,

How long does it take for an eviction to show up on your credit report?

- PHF

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Executor of an estate can obtain the deceased’s credit report

Posted on Sep 12 2012 by

Dear Experian,

I am the personal representative for my brother’s estate. I’m trying to identify his active credit accounts so that I can compile a list of creditors for the estate. Is it possible for the estate executor to order a credit report for the deceased?

- NJN

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Individuals cannot report their own accounts

Posted on Sep 12 2012 by

Dear Experian,

How do I submit payment history for an account not listed on my credit report, therefore, adding a new account?

- CRT

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Impact of having a repossession reinstated

Posted on Sep 12 2012 by

Dear Experian,

If you have a repossession and then a reinstatement, does the reinstatement help your credit scores?

- CBN

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Declined because “the amount of revolving balances is too high”

Posted on Aug 29 2012 by

Dear Experian,

I would like to clean up my credit, but want to know if it is beneficial to close revolving credit accounts that I am not using or will never use again or if I should leave them open. I have never missed a payment on multiple accounts and usually pay more than the minimum payment due. However, I was recently denied increases in limits as well as declined for new accounts. The reason given was “the amount of revolving balances on credit report is too high.”

- HST

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Recent college graduate may not have a credit report

Posted on Aug 29 2012 by

Dear Experian,

What should I do if I cannot be found in your system? I am trying to obtain a credit report since I have just graduated college and would like to start building credit.

- AGB

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Medical collection accounts can be part of a credit report

Posted on Aug 29 2012 by

Dear Experian,

On my credit report there are two collection items. One says Medical Payment Data. The other just says Emergency Physician. I need their contact information, such as address and phone, so I can get in touch with them. Can you please help?

- NYW

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The meaning of “derogatory public record”

Posted on Aug 29 2012 by

Dear Experian,

My credit score states “time since derogatory public record or collection is too short.” What is a “derogatory public record”?

- JTR

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Discharged bankruptcy will still affect credit scores

Posted on Aug 15 2012 by

Dear Experian,

Once a Chapter 7 bankruptcy is discharged, will it still affect my credit score?

- ADZ

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“Foreclosure” worse than “paid for less than full balance” but not much

Posted on Aug 15 2012 by

Dear Experian,

Which has a more negative effect on my credit score, “Account Paid In Full For Less Than the Full Balance” or “Foreclosure”?

- ZPT

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Revolving accounts paid in full and closed but still showing on report

Posted on Aug 15 2012 by

Dear Experian,

All my credit cards are paid in full and closed but still showing revolving on my credit history. I want to clean up my credit history. What steps do I need to follow?

- SHS

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Account reported for first time shows it is 90 days late

Posted on Aug 15 2012 by

Account reported for first time shows it is 90 days late

Dear Experian,

In what instance does a credit profile reflect a 90 day late when it never reflected a 30 or 60 day late? Is it possible to just be 90 days delinquent without first being 30 or 60?

- ADC

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It is possible to owe debts not on your credit report

Posted on Aug 01 2012 by

Dear Experian,

Everything shows on the credit report right? Every debt you owe? I currently have two debt collectors harassing me claiming I owe them money and threatening to sue me. But when I look on my report, there is nothing that is open against me. How do I get them to send me actual proof that I owe?

- JYG

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