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

Establishing credit before going to college

Posted on Oct 09 2013 by

Dear Experian,

I am a 19 year old college student trying to establish credit early, and it would be helpful throughout college to have a low limit credit card just in case. Also, I am trying to get a car loan, and I know I need to use credit to gain credit. I applied for a credit card through my bank and was declined. I also applied for a student credit card and was declined again. How am I supposed to establish a credit history if I can’t get approved for anything? My parents are just starting to rebuild their credit themselves. Is there any way that I can establish credit without having to have somebody cosign for me?

– FCS

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The meaning of “key derogatory” as a credit score factor

Posted on Oct 09 2013 by

Dear Experian,

What does “Key Derogatory” mean?

– RTC

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How to request a credit report if you are incarcerated

Posted on Oct 09 2013 by

Dear Experian,

How does an inmate go about getting a credit report? Where can he get the proper forms to fill out without access to the internet?

– NTP

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

Posted on Sep 27 2013 by

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

Posted on Sep 27 2013 by

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

Posted on Sep 27 2013 by

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

Posted on Sep 27 2013 by

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

Posted on Sep 12 2013 by

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

Posted on Sep 12 2013 by

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

Posted on Sep 12 2013 by

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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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.