Report Advice

Must have a personal report before disputing information

Posted on Feb 01 2012 by

Dear Experian,

I just had a credit check done by my new landlord, and one company had negative feedback. I tried to dispute it online but it is not recognizing the report number. What can I do next?

- HBO

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The difference between chapter 7 and chapter 13 bankruptcy

Posted on Feb 01 2012 by

Dear Experian,

What is the difference between chapter 7 and chapter 13 bankruptcies?

- RYN

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Authorized user account impeding son’s home purchase

Posted on Feb 01 2012 by

Dear Experian,

I have a question regarding authorized users. I put my son on my card when he and his sister were traveling in Europe. I forgot about it because they never misused them. Now my son, who has excellent credit, is planning to buy a house, but the lenders are objecting because he has “Authorized user of credit card” on his report. I feel so bad about this and wonder if there is a way to get this removed from his report quickly?

- ATH

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Updating account to show included in bankruptcy

Posted on Jan 18 2012 by

Dear Experian,

I have a company reporting “charge off” on my credit report when it should be a bankruptcy that was done in August 2010. Can you help me understand why it is being reported like this?

- EUB

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What “derogatory” means

Posted on Jan 18 2012 by

Dear Experian,

What does “derogatory” mean when it shows up on my credit reports?

- JUA

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Credit card bills sent to son’s address after he moved out

Posted on Jan 18 2012 by

Dear Experian,

My oldest son recently moved. I have just found out that your agency, without my knowledge, changed the address on my credit cards. My bills should still be coming to me, and his should go to him. I think it is absurd to change all the addresses when someone moves when there are different people and cards involved. I think this program should cease immediately. At the very least, people should be notified that this is happening so they can confirm which cards should have the address changed.

- RKO

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Closed accounts remain part of credit history

Posted on Jan 18 2012 by

Dear Experian,

I printed my and my husband’s credit reports. There are accounts that have been closed for years, but a note says they will remain on the report for years to come. Why do they remain if they have been inactive for years?

- JYS

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Reaffirming debts will not cause bankruptcy public record to be deleted sooner

Posted on Jan 04 2012 by

Dear Experian,

Can a Chapter 7 bankruptcy get deleted earlier than the 10 years if your lawyer had you agree to pay off some of the debt owed to the creditors and you also reaffirmed some of the secured debt owed in the chapter 7 case?

- EXR

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Retail credit card may appear under different name in credit report

Posted on Jan 04 2012 by

Dear Experian,

I have two credit cards that are affiliated with private companies. Neither of these credit cards shows up on my credit report. Both have large limits with small balances. How can I get them added to my credit report, and thus improve my credit scores?

- AMC

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Marriage will not combine new husband’s old credit history with wife’s

Posted on Jan 04 2012 by

Dear Experian,

My fiancé is divorced and lost his house to foreclosure. He has a bad credit history including bankruptcy. When we marry what are the pros and cons of my taking his name? My credit is pretty good – good enough to buy a $132,000 home two years ago. I’ve heard that marrying and taking their name is a huge mistake if there are credit problems. Can you advise, please?

- PFI

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No credit history cause for declination, not lack of credit score

Posted on Jan 04 2012 by

Dear Experian,

I moved to the U.S. two years ago and have since applied three times for a department store card. Requests got denied because I apparently didn’t have a credit score. I also applied for a secured credit card which got approved, and I am slowly starting to build my credit score. Unfortunately, I already have four hard requests. How can I remove older requests that were denied due to the missing credit score?

- MPC

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What to do if you are mistakenly reported as deceased

Posted on Dec 21 2011 by

Dear Experian,

I am listed as deceased on my credit history. How can I change that?

- CAG

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You cannot “opt out” of rent payment reporting

Posted on Dec 21 2011 by

Dear Experian,

How do I opt out of The Rent Bureau?

- DWH

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Income is not part of a credit report so cannot be updated with Experian

Posted on Dec 21 2011 by

Dear Experian, How do I get the word to Experian that my income has greatly increased? I was denied a credit limit increase on my credit card, and I think it was because they think I still have a low income. – ORI   Dear ORI, Income is not part of your credit report. Lenders […]

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Inquiry from leasing company cannot be removed

Posted on Dec 21 2011 by

Dear Experian,

A leasing company pulled a credit report on my wife and me without our authorization. How do we have that inquiry removed from our record, and what recourse do we have against the leasing company?

- ALJ

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Paid court judgments updated automatically, not deleted immediately

Posted on Dec 07 2011 by

Dear Experian,

I was told by the circuit court that Experian would have to come in and pull the satisfied judgment in order to remove it from my records. Is this correct?

- CAG

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Settling a debt will hurt credit scores

Posted on Dec 07 2011 by

Dear Experian,

Does it hurt my credit score if I settle my account?

- EWH

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Payment history may cause “paid” account to be listed as “potentially negative”

Posted on Dec 07 2011 by

Dear Experian,

I have a paid, closed account showing as potentially negative on my credit report. Why, if it shows paid, is it listed as a negative item?

- ORI

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“New” collection account will be deleted at the same time as original account

Posted on Dec 07 2011 by

Dear Experian,

Is it legal for a collection agency to submit an account that they buy from a creditor as “new” even though that same account before it was purchased from the original creditor by the collection agency was two, three four years old? What can the consumer do to combat that practice in order to clear his or her credit?

- ALJ

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Steps for removing a tax lien filed in error

Posted on Nov 23 2011 by

Dear Experian,

I had a lien on my account in 1999 from the state of South Carolina for payroll tax. I have a letter from them stating that the lien was filed in error, but it is still on my credit report. What can I do?

- DMW

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Impact of inquires from utilities, cable TV, rent, and cell phones on credit scores

Posted on Nov 23 2011 by

Dear Experian,

How do inquiries from utility, cable television/internet, cellular telephone and residential rentals impact credit scores since payment histories are never reported?

- MDB

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Defining “charge off”

Posted on Nov 23 2011 by

Dear Experian,

What is a “charge off,” and what does it mean?

- TPA

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Creditors might be able to use a credit report to locate you

Posted on Nov 09 2011 by

Dear Experian,

Can creditors find you through a credit check?

- DMW

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Benefits of paying a collection account

Posted on Nov 09 2011 by

Dear Experian,

I have a credit card account on my report that has gone to a collection company and was written off by the credit card company. If I make a deal with the collection company to start a payment plan and pay this off, will it affect my credit in a positive manner or is it too late for that? Also, does the collection company have to report the timely payments to you to show it is being paid?

- SCH

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Bankruptcy listed on father’s credit report

Posted on Nov 09 2011 by

Dear Experian,

We recently went through chapter 7 bankruptcy. Our problem is that we are living in a home that belongs to my husband’s father. My husband and his father share the first initial of their first name and of course their last name. My husband’s father was mistaken for my husband and now our bankruptcy is listed on his credit report. What can we do to fix this?

- TPA

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