Report Advice

Cosigning mortgage for daughter can impede access to future credit

Posted on Dec 22 2010 by

Dear Experian,

I cosigned on a mortgage loan for my daughter. My credit report shows this as my mortgage, even though I am not making payments. Does this reflect on my credit if I want to take out a loan in the future? And if it does, what can I do about it?

- ZIM

Read more

Why both creditors appear on your report after a loan is sold

Posted on Dec 08 2010 by

Dear Experian,

One creditor sold an account to another. Why are they both showing up on my credit report?

- DSH

Read more

The impact of using 99% of your available credit before applying for a mortgage

Posted on Dec 08 2010 by

Dear Experian,

I was looking at my credit report online and it showed that I am using 99 percent of the credit available to me. What does that mean? Also, I know that I have one student loan that is at almost $60,000. How much effect is that going to have on me if I am trying to get a home loan?

- RAH

Read more

You don’t need a textbook to learn how to read your credit report

Posted on Dec 08 2010 by

Dear Experian,

Do you have online booklets explaining how you can read a credit report?

- ECL

Read more

Never send debt payments to credit reporting companies

Posted on Nov 24 2010 by

Dear Experian,

How and where can I repay or pay on a debt that’s on my credit report?

- TCP

Read more

Bankruptcy has greatest impact on scores, collections a close second

Posted on Nov 24 2010 by

Dear Experian,

What is worse, having several credit cards in collection or having a bankruptcy on your credit report?

- JUA

Read more

Rebuilding credit after job loss

Posted on Nov 24 2010 by

Dear Experian,

I lost my job two years ago and have had a bad patch paying my bills. My credit score dipped substantially. I managed to get on plans with my late accounts and am on track to be debt free in about three years. Can my score ever improve?

- THO

Read more

Preventing stolen checks from impacting your credit report

Posted on Nov 10 2010 by

Dear Experian,

About a year ago my checkbook was stolen. Whomever it was stolen by has continuously written bad checks in many places. I filed a police report and closed my bank account one week after I discovered my missing checkbook. I was honestly unaware that this would affect my credit report. How do I get all this fixed?

- CKE

Read more

Getting your personal report does not affect credit scores

Posted on Nov 10 2010 by

Dear Experian,

Does it affect my credit score if I pull my own credit report more than twice a month?

- LAK

Read more

How you might not qualify for bankruptcy protection

Posted on Nov 10 2010 by

Dear Experian,

How do you not qualify for bankruptcy?

- EYC

Read more

Paying off all debts will help scores in the long run

Posted on Nov 10 2010 by

Dear Experian,

I was told by a realtor that paying off everything on my report will cause my score to drop. Is this true?

- STM

Read more

Canadian credit history will not transfer to the United States

Posted on Oct 27 2010 by

Dear Experian,

Will my Canadian credit history transfer to the USA?

- ERS

Read more

Tax identification numbers do not replace a Social Security number

Posted on Oct 27 2010 by

Dear Experian,

I do not have a Social Security number. Instead, I have an EIN number. Does the EIN number replace a Social Security number when placing a fraud alert?

- NKO

Read more

How to remove a fraud victim statement from your credit report

Posted on Oct 13 2010 by

Dear Experian,

Can I cancel a fraud victim statement so I’m not asked a billion questions anymore when I apply for a loan?

- RST

Read more

How to dispute information in your credit report

Posted on Oct 13 2010 by

Dear Experian,

How do you dispute something on your credit report?

- ONT

Read more

Secured credit card could help build a positive credit history

Posted on Oct 13 2010 by

Dear Experian,

Will a secured credit card establish and built a credit score for my 19-year-old son?

- WND

Read more

Notifying Experian of dispute results at other consumer reporting companies

Posted on Aug 18 2010 by

Dear Experian,

If an item is disputed through another credit reporting agency and an investigation is conducted and decision issued, must I dispute the same item with Experian or just submit the results of the other investigation?

- DEN

Read more

Student loan delinquencies are reported in the same way as other accounts

Posted on Aug 18 2010 by

Dear Experian,

Can you tell me how long late payments on a student loan are reported on my credit report?

- RNT

Read more

No special instructions are needed for reading your credit report

Posted on Aug 18 2010 by

Dear Experian,

Do you have online booklets explaining how you can read a credit report?

- STC

Read more

Bankruptcy remains on your credit report for up to 10 years

Posted on Aug 18 2010 by

Dear Experian,

How long does a bankruptcy stay on your report? It has been almost six years and I am still denied credit on that basis alone.

- LBE

Read more

Can mother keep car after daughter makes the payments

Posted on Aug 04 2010 by

Dear Experian,

I just finished making a final payment on my car. However, the car is under my mom’s name. She is refusing to transfer ownership of the car to my name now that it has been paid off. What legal actions can I take? Or does this mean that I have to give the car back to her?

- KHW

Read more

Score didn’t improve after bankruptcy removed

Posted on Jul 21 2010 by

Dear Experian,

I recently had a bankruptcy removed from my credit report, but it didn’t change my score. When or how do you update the credit score?

- PLM

Read more

Paid negative accounts are not deleted immediately

Posted on Jul 21 2010 by

Dear Experian,

If I paid some negative outstanding credit off last year, how can I get those off of my credit report?

- YNC

Read more

Status line describes when information will be deleted

Posted on Jul 21 2010 by

Dear Experian,

On the credit report, the account status details say, “This account is scheduled to continue on record until July 2010.” This is July 2010. Does that mean July 31, 2010? After July, will this item fall off of my report?

- RIE

Read more

Court judgment on credit report for non-sufficient funds check

Posted on Jul 07 2010 by

Dear Experian,

I just paid off an outstanding debt for a non-sufficient funds check written in 2005. I recently found out that a warrant had been issued because of the nonpayment. I have a copy of the court dismissal and receipt for the restitution. How can I be assured this will be removed from my credit report?

- RAA

Read more

  • ©2014 Experian Information Solutions, Inc. All rights reserved.