Report Advice

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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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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