Report Advice

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

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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

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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

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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

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Role of income in credit reporting

Posted on Jul 07 2010 by

Dear Experian,

What role does income play in credit reporting?

- LIB

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Impact of allowing mortgage to go delinquent to qualify for short sale

Posted on Jul 07 2010 by

Dear Experian,

I had excellent credit before we were advised by our lawyer to not pay our mortgage so we could qualify for short sale of our home. One year later, our home is now sold. How can we go about fixing our credit now? All of our other credit history is excellent.

- DNM

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What to do if you accidentally dispute an account entry

Posted on Jun 23 2010 by

Dear Experian,

How can you fix something on your report you accidentally disputed but didn’t mean to?

- QFT

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Getting a business credit report

Posted on Jun 23 2010 by

Dear Experian,

How do I get a credit report for a business?

- GLE

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Collection agencies may try to collect a debt after it is deleted from your credit report

Posted on Jun 23 2010 by

Dear Experian,

How long can a collection agency attempt to collect a debt? Is there a time limit or statute?

- CLI

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You can’t improve your credit “all at once”

Posted on Jun 23 2010 by

Dear Experian,

How can I improve my credit all at once?

- MGO

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Removing your son as an authorized user

Posted on Jun 09 2010 by

Dear Experian,

If I remove my son as an authorized user on my credit card account will the previous activity still be listed on his credit report?

- TLE

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Non-sufficient funds checks on a credit report

Posted on Jun 09 2010 by

Dear Experian,

How long do non-sufficient funds checks (NSF’s) stay on your credit report?

- LLS

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What the term “maker” means

Posted on Jun 09 2010 by

Dear Experian,

What does “maker” mean on a credit report?

- DPO

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Credit monitoring service alert about a new inquiry

Posted on Jun 09 2010 by

Dear Experian,

How do I find out who is checking my credit report? I have not applied for any recent credit, and a credit monitoring service has reported an Experian credit check.

- MWM

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“Charged off” debt must still be repaid

Posted on May 26 2010 by

Dear Experian,

What does it mean when Account Type/Status says “Charge Off”? Does this mean I no longer owe this amount?

- ERS

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Credit reporting companies do not turn down or approve credit

Posted on May 26 2010 by

Dear Experian,

Why did you turn down my credit?

- ANI

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Mother cannot report personal car payments

Posted on May 26 2010 by

Dear Experian,

I’ve been making regular car payments to my mother for a loan in her name. How can she report these payments to help my credit?

- ZAB

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Items deleted through dispute should be deleted from all credit reports

Posted on May 26 2010 by

Dear Experian,

I disputed items on my credit report to Experian, and they were deleted. Will the items be deleted from my reports with the other two agencies as well?

- JSU

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Spouse opening new credit card accounts

Posted on May 12 2010 by

Dear Experian,

I’m pretty much sick of credit cards, and I’m paying off all my accounts. My wife agrees with me but opens new ones whenever she feels like it. Is there a way to keep her from doing that?

- NLI

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Opting out of preapproved offers does not help credit scores

Posted on May 12 2010 by

Dear Experian,

Does opting out of preapproved mail offers raise my credit score?

- RTU

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Credit history no longer exists

Posted on May 12 2010 by

Dear Experian,

I have been living debt free for over 10 years. I had credit at one time and have never had any problems with late or missed payments. I have always had a good job. It seems that my name and existence has been deleted from the credit reporting system. Is there a way for me to at least put the fact that I exist back into the system before making an application for credit?

- CRZ

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Information is deleted automatically at the end of the seven year period

Posted on May 12 2010 by

Dear Experian,

Do you have to request information be removed when it is time to be deleted, or will it just to fall off?

- MCC

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How long it takes to thaw a frozen credit report

Posted on Apr 28 2010 by

Dear Experian,

If I have thawed my credit, how long before I can apply for credit and it will be accessible?

- SME

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Effect of multiple mortgage applications

Posted on Apr 28 2010 by

Dear Experian,

Will it affect my credit score if get I get a mortgage pre-approval letter from more than one bank? If it does how much would it affect my score? Also, will it affect my score, if I check my credit score with you guys?

- UYI

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Impact of missing one mortgage payment

Posted on Apr 28 2010 by

Dear Experian,

I admit I was late on one mortgage payment in 30 years, and my credit dropped 52 points. Is that normal for the credit industry, and am I stuck with that for seven years on my credit? Is a dispute allowed on this or not?

- PWR

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