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

Collection efforts can continue after the account is removed from your credit report

Dear Experian,

Can a charged off account on your credit report that was opened in 1999 and closed in 2010 be sold to another collection agency and then be given to an attorney to get payment from me?

– LVM

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Income is not part of a credit report

Dear Experian,

I’d like to complete my income information on my credit report. How can I do this?

– RYD

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Collection agency may request a report without your permission

Dear Experian,

Can a collection agency request your credit history without your consent? I have one on my report under “inquires shared with others” in which I did not consent.

– LDA

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Student loans may appear in credit report while in deferment

Dear Experian,

How long does it take after student loans are out of deferment for them to show up on a credit report?

– LSM

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Time it will take to recover after paying a tax lien

Dear Experian,

I am currently paying off a state tax lien. After the tax lien has been paid in full, how long will it take for my credit to be restored to good standing?

– APM

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Becoming a guarantor or joint account holder for son’s motorcycle loan

Dear Experian,

I want to help my son, a recent graduate, build good credit. He wants to buy a used motorcycle. I was willing to guarantee the personal loan, but the bank wants me to be a joint borrower. If I agree, it is not clear to me whether my son’s credit rating will improve as much as if I were just the guarantor. Which approach would produce the greatest benefit? Would being a joint borrower help my son’s credit score at all?

– HRC

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Individual Taxpayer ID number cannot be used in place of Social Security number

Dear Experian,

I’m trying to request a dispute on my credit report, but it asks me for a credit report number. I have tried to request my annual free report but I can’t since I don’t have a Social Security number. I do have an ITIN number but the system won’t accept it. What are my options?

– LPQ

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Late payments continue to appear after declaring bankruptcy

Dear Experian,

How can I get late payments removed for items that were included in bankruptcy?

– NPN

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Opting out will not cause your credit report to disappear

Posted on Sep 10 2013 by

Dear Experian,

I’ve recently been denied credit because my credit information is either missing or unavailable. Does this have anything to do with the fact that I elected to “opt out” years ago, and if so, how do I go about changing this?

– MJP

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Sharing a merged report with a mortgage customer

Posted on Sep 10 2013 by

Dear Experian,

Is it now OK to release a customer’s tri-merge report to the customer? The tri-merged report was pulled to apply for a home loan through the seller and broker.

– RHO

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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.