Report Advice

Unemployment claims do not affect your credit report

Posted on Aug 13 2013 by

Dear Experian,

My colleagues and I had a debate over these questions: Will filing an unemployment claim be reported on credit file? If so, will it affect future credit consideration? Can you help us settle our debate?

- YAW

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Adding a fraud alert after check fraud

Posted on Aug 13 2013 by

Dear Experian,

I was a victim of check fraud. I was told I’m entitled to seven years of free fraud alerts as long as I have a police report. Is this true? The bad checks are rolling in now, and I am concerned that they might have opened up credit in our names as well.

- GID

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How long do paid public records remain on your report?

Posted on Aug 13 2013 by

Dear Experian,

Why is there still a public record on my account that has been paid off for four and a half years?

- NDR

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How divorce can impact your credit scores

Posted on Aug 13 2013 by

Dear Experian,

I read that divorce does not impact your credit scores, but I’ve heard from people who are divorced that said it damaged their credit. If it doesn’t impact your scores, how does it damage your credit?

- BEL

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Unpaid utility bills can appear on your credit report

Posted on Aug 13 2013 by

Dear Experian,

If you don’t pay your utility bill, can that go on your credit report?

- MWB

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An authorized user’s credit history does not affect your credit report

Posted on Aug 13 2013 by

Dear Experian,

Does it affect my credit score if I have an authorized user on credit cards who does not have a good credit history? And likewise, does it help the credit score of someone with poor credit to be added as an authorized user (not joint applicant) for a card belonging to someone with a high credit score?

- BIJ

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Insurance inquires do not affect credit scores

Posted on Aug 12 2013 by

Dear Experian,

I am shopping for car insurance. All of the insurance companies want to check my credit report. What impact will this have on my credit report?

- JNI

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Vacated judgment should be removed from the credit report

Posted on Aug 12 2013 by

Dear Experian,

Civil and small claim judgments remain seven years from the filing date. But in my case, the judgment was vacated with the stipulation that the action was discontinued with prejudice. Will the judgment still remain seven years or will it be deleted?

- JOM

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Student loans and the benefits of consolidating them

Posted on Aug 02 2013 by

Dear Experian,

Does it look bad to lenders checking your credit if student loans show up as several different loans? In other words, why consolidate?

- SAR

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Reporting positive rent payments can help your credit scores

Posted on Jul 31 2013 by

Dear Experian,

How can I report my rent payments? My landlord does not.

- TCR

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Divorce decree does not remove joint accounts from your credit history

Posted on Jul 31 2013 by

Dear Experian,

I am legally divorced. My ex-husband re-married. We had a joint mortgage account. I have a divorce decree stating I am not liable for this account anymore, but this account is on my credit report. What do I do to get this account out of my credit report?

- JLH

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Student loan will appear on cosigner’s credit report as well as the student’s

Posted on Jul 31 2013 by

Dear Experian,

If I cosigned for a student loan, will the loan balance show on my credit report, or it will only show on the student’s credit report?

- CSY

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Loan modification could hurt your credit scores depending on how it is modified

Posted on Jul 31 2013 by

Dear Experian,

I am interested in a modification on my mortgage loan. I would like to modify my repayment When I asked the bank if a modification would negatively impact my credit scores, I was told that it may be reported to the three credit reporting companies, but that the impact to my credit scores would be up to you. Would a modification, lower monthly payments or deferred payments lower my credit scores?

- RYR

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Removing a fraud alert after verifying you are not a victim

Posted on Jul 17 2013 by

Dear Experian,

Is it a problem if I do not remove a fraud alert once I have confirmed that no breach was possible? Or do I have to remove the alert? I assume having the alert for 90 days is OK since I can prove who I am and do not expect to apply for any new credit.

- AJY

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Violating rental agreement could ruin your credit

Posted on Jul 17 2013 by

Dear Experian,

Could a violation of a rental agreement ruin my credit even though I don’t owe any rent?

- MST

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Accounts still show payment history and amount past due when sent to collections

Posted on Jul 17 2013 by

Dear Experian,

I have a couple of accounts that were purchased by another lender or collection agency. I have paid them off and they do show closed, but they still show a balance. Is this negative? Should I dispute?

- RYD

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Experian does not extend credit or provide credit cards

Posted on Jul 17 2013 by

Dear Experian,

How can I get a credit card with Experian?

- SHL

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Removing ex-spouse’s address from your credit report

Posted on Jul 03 2013 by

Dear Experian,

I had you remove my ex-wife’s address from my report, and now it is back on there. I need to know why, and I would like it to be removed and to stay removed.

- RPR

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Dispute results letter is sent automatically

Posted on Jul 03 2013 by

Dear Experian,

Can I get a letter about the results of a dispute after the 30 day mark? I am trying to buy a house and they need the letter.

- KLZ

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You will not receive a notice to remove a fraud alert

Posted on Jul 03 2013 by

Dear Experian,

I have not been contacted to lift a fraud alert on my account to approve a recent credit inquiry. Should I receive a request to remove the alert when I apply for credit?

- JWL

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How to add a telephone number to a fraud alert

Posted on Jul 03 2013 by

Dear Experian,

How do I add a telephone number to an extended credit alert?

- LKK

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Unrecognized Social Security number could indicate fraud

Posted on Jun 20 2013 by

Dear Experian,

My Social Security number is reporting incorrectly. How can I get this fixed?

- BWR

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“Paid in full” charged off account is better than “settled for less than owed”

Posted on Jun 20 2013 by

Dear Experian,

If you have a charged off account, is it better for it to show “paid in full” or “settled for less?”

- JMN

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Secured credit card can help build credit history and credit scores

Posted on Jun 20 2013 by

Dear Experian,

A bank has a new credit card for those with poor credit. They say you have to put down a $300 deposit, and after that deposit they’ll give you the card. The bank told me it will help me bring up my credit score. Is that true?

- ERL

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Why closing a credit card can hurt your credit scores

Posted on Jun 05 2013 by

Dear Experian,

Why does closing a credit card you are no longer using negatively affect your credit?

- VNO

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