Report Advice

Notifying other credit reporting companies about dispute results

Posted on Aug 01 2012 by

Dear Experian,

I used your system to dispute an error on my credit report. I received the confirmation back that the error has been deleted. Do I now have to go to the other credit reporting companies to dispute or will Experian notify them so they will remove the error?

- JPH

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Qualifying for new credit when you have no credit history

Posted on Aug 01 2012 by

Dear Experian,

I have no credit score and am unable to get credit for a car loan. How do I get a credit score? I have my own apartment and am paying all utilities. Will that help? If so how long does it take, or where should I start?

- KNY

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Secured credit card application denied, but not by Experian

Posted on Jul 18 2012 by

Dear Experian,

In order to establish credit, I recently deposited $500 into a checking account and applied for a secured credit card. I received a letter from Experian stating that the secured credit card application was denied based on my past credit history. If the credit card is secured by the money in the account, why is my past credit history being considered by Experian?

- KDH

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Employers, credit scores and freezing your credit file

Posted on Jul 18 2012 by

Dear Experian,

Can a prospective employer get a credit score on me if I have a security freeze, or do I need to remove the security freeze?

- ARJ

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Deciding whether to close paid off accounts

Posted on Jul 18 2012 by

Dear Experian,

I have four accounts that have a limit of $300 each. I have had these accounts for years. I would like to know if I should close them once I pay them off. I am concerned that having credit cards with low credit limits is negatively affecting me.

- JLD

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Removing an Active Duty Alert

Posted on Jul 18 2012 by

Dear Experian,

How do you remove an Active Duty Alert? I am not on active duty and have never been in the service, but I have an Active Duty Alert on my report and it is preventing me from getting a mortgage.

- MZN

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How a settled judgment appears in a credit report

Posted on Jul 04 2012 by

Dear Experian,

I settled a judgment with a creditor. Is it still showing as judgment, or is reported as settled?

- KDH

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Experian Connect tool ideal for small property management companies

Posted on Jul 04 2012 by

Dear Experian,

We are a property management company looking for a monthly credit report service. Where do I get that info?

- ARJ

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There are different credit scores, but not different “levels” of credit reports

Posted on Jul 04 2012 by

Dear Experian,

My Experian report says my score is 781. A credit card company said my score from Experian was 720 five days earlier. They said I may be receiving a different level of reports. Does Experian report different scores with a wide range of numbers?

- JLD

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Checking your own report will not hurt your credit scores

Posted on Jul 04 2012 by

Dear Experian,

Will checking my own credit report through Experian lower my score?

- MZN

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Reporting a judgment against a former tenant

Posted on Jun 20 2012 by

Dear Experian,

I have an eviction and financial judgment against a former tenant. Do I need to report it to Experian in order for it to appear on his credit report?

- JNS

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Adding an authorized user who has declared bankruptcy

Posted on Jun 20 2012 by

Dear Experian,

If I add an authorized user who filed bankruptcy to my credit card, will that affect my credit scores?

- SDY

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The meaning of “too few accounts rated current”

Posted on Jun 20 2012 by

Dear Experian,

What does “too few accounts rated current” mean?

- TJM

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Removing closed accounts in good standing from your credit report

Posted on Jun 20 2012 by

Dear Experian,

How do I go about getting old, closed in good standing, credit card accounts off my credit report?

- GRB

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Unpaid doctor bills appearing in credit report

Posted on Jun 06 2012 by

Dear Experian,

I am seeing that each time I go to the doctor and I do not pay those bills on time, the bill ends up on my credit report. This has resulted in 10 or more delinquencies, some of which are less than $50 each. How do I consolidate all these bills into one?

- JDY

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Ensuring charges sent to collection in error are not in credit report

Posted on Jun 06 2012 by

Dear Experian,

I disputed a charge off on my credit report and have a letter from the company stating the “charges were sent to collections in error,” how can I get this letter to you?

- KLB

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Impact of balance transfers on credit scores

Posted on Jun 06 2012 by

Dear Experian,

I have a question about balance transfers. I have a credit card with a balance that I am paying interest on. My husband has an existing credit card balance transfer offer at 0% for 12 months. That card is under his name and it has no balance. If I transfer my balance to his offer, how will that affect our credit score? Also, do any balance transfers affect your credit scores as long as you do not utilize any of the accounts after the transaction?

- STN

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Owner-financed mortgage not reported on credit report

Posted on Jun 06 2012 by

Dear Experian,

I purchased a home in November 2011. The owner is carrying the note. I would like to get my payment history reported to you. What does he have to do in order to report my payments so they reflect on my credit report?

- TML

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Unrecognized inquiries could be sign of fraud, but most often are not

Posted on May 23 2012 by

Dear Experian,

What do I do if I see a request for credit information from a company I am unfamiliar with?

- LCF

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Individual payments to collection agency not always reported

Posted on May 23 2012 by

Dear Experian,

I am currently making payments on accounts that are on my credit report. Do the credit bureaus recognize my payments that I’m paying to the collection agency?

- AYR

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Loan modification denied because borrower can still make payments

Posted on May 23 2012 by

Dear Experian,

I recently applied for a loan modification on my mortgage, but they did not qualify my application saying that based on the information I provided they felt that I can still pay my mortgage. I never stopped my payment and am still paying but wonder if just applying for the loan modification will hurt my credit?

- SLV

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Listed as authorized user on mother’s delinquent credit card

Posted on May 09 2012 by

Dear Experian,

I was an authorized user under my mom’s credit card. I never used the card. I only “piggybacked” so I could start a credit history. She was unable to pay her card, and I found out today that her debt was charged off in February 2011. I found out about it because I saw it in my credit report. How badly does this affect me? I want to ask to get that debt off of my report. If I do that, will that affect my mother’s report too?

- HNA

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Removing “accounts included in bankruptcy” status from closed accounts

Posted on May 09 2012 by

Dear Experian,

My bankruptcy was removed from my credit report late last year. Is there any way to update closed accounts to remove the wording “included in bankruptcy”? I had a car loan at the time of the bankruptcy that I reaffirmed and paid in full in 2006. Do I have to wait until 2016 when the account will be removed from my credit report? It feels like I’m being punished a lot longer than the 10 years for a bankruptcy.

- WCK

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Deleting evictions, judgments and bankruptcy from your credit report

Posted on May 09 2012 by

Dear Experian,

Is there a way to get an eviction removed? A judgment was filed against me. If a judgment is discharged in your Chapter 7 bankruptcy, can it be removed from your report?

- JLB

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New credit card not appearing in your credit report

Posted on Apr 25 2012 by

Dear Experian,

I have had a new credit card since December. They state that they are reporting to the credit bureau but I see no record of it. How can I get this card on my credit report to help my scores?

- ATK

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