Report Advice

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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Bank may not notify you when cosigner fails to pay

Posted on Nov 09 2011 by

Dear Experian,

I co-signed my son’s auto loan. He was over 30 days late on one payment. Why should that impact my credit score when I was never notified by the lender or asked to make the payment? I knew I was responsible for the loan balance if asked to pay. But, I had no idea that my credit score would be lowered when I was never asked to make a payment.

- JHP

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Why your report number may be “invalid”

Posted on Oct 26 2011 by

Dear Experian,

I received a report number, but when I put it in it says it’s invalid. Why?

- MCK

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Balance on credit report is usually what appears on billing statement

Posted on Oct 26 2011 by

Dear Experian,

Is there a way to make a credit search show my current balance on a card rather than the balance on the last statement?

- REQ

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Car repossession could appear in minor’s credit report

Posted on Oct 26 2011 by

Dear Experian,

If a car loan is opened in a minor’s name as a joint loan with a parent co-signer can it be reported as a repossession on the minor’s credit if the car is repossessed?

- ABA

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Credit report lists names, contact information for collection agencies

Posted on Oct 26 2011 by

Dear Experian,

I am trying to pay off my debts with collection agencies, but I do not know who to contact as they do not send me any collection notices for my debts. Would you guys be able to provide me the telephone numbers of the collectors I need to pay off? I want to improve my credit, and I want to start by paying off all my debts.

- OON

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Verifying who has checked your credit report

Posted on Oct 12 2011 by

Dear Experian,

How do I verify that a company indeed checked my credit report?

- HOD

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Delinquency cannot be removed after two years of on time payments

Posted on Oct 12 2011 by

Dear Experian,

If payment has not been delinquent for two or more years can it be removed from potentially negative status?

- FRA

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Debt management firm isn’t necessary to negotiate with lenders

Posted on Oct 12 2011 by

Dear Experian,

Debt management companies are able to negotiate lower interest rates on unsecured debt. Can consumers do this themselves? Would it be viewed the same as having a debt management company do this for you?

- ANN

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Mortgage company not required to report payments

Posted on Sep 28 2011 by

Dear Experian,

I am a homeowner for five years now, and am wondering why my mortgage company does not have to report my mortgage to the three credit bureaus. I applied for a car loan and my bank told me that my home was not on any of the bureaus, so I did not need to include my mortgage payments to apply for any loans. Is this true?

- SBY

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Repossession remains seven years and can affect credit scores for the entire time

Posted on Sep 14 2011 by

Dear Experian,

How long does a repossession reflect on your credit report, and how does it affect your credit report?

- MMY

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Being turned down for credit does not hurt credit scores

Posted on Sep 14 2011 by

Dear Experian,

I was told that every time you get turned down for credit that your score goes down. Is this true?

- STI

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Credit reports not established based on age

Posted on Sep 14 2011 by

Dear Experian,

At what age does the credit bureau start reporting credit history?

- RCU

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