Report Advice

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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Balance on collection account may not be updated until it is paid in full

Posted on Jun 05 2013 by

Dear Experian,

I have a “charge off” credit card account on my credit report that I have been repaying for over a year. I am paying the original creditor, as they handled their own collections. Why aren’t these payments showing on my credit report?

- KML

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Tax lien automatically updated to show it is satisfied and released

Posted on Jun 05 2013 by

Dear Experian,

I have a tax lien on my report that has been satisfied and released by the State of Ohio and the clerk of courts. How do I report this to Experian and have my credit report show the release of the lien?

- RGK

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Fraud alert stopping satellite TV application

Posted on Jun 05 2013 by

Dear Experian,

I cannot sign up for satellite television because they say we have a fraud alert attached to our credit history. We do not need a fraud alert. How do we get rid of it?

- FCS

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Collection account payments should never be sent to Experian

Posted on May 23 2013 by

Dear Experian,

I recently looked at my credit report and saw that I owe two debts, and Experian is the collector. My question is where do I send the payment? I have been trying to pay it for a while now with no luck. Can you help?

- PDR

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Bankruptcy will show in your credit report even though it was dismissed

Posted on May 23 2013 by

Dear Experian,

We filed for Chapter 13 Bankruptcy in June 2009. The Bankruptcy was never approved or discharged, but was dismissed a few months later. We dealt with all of our creditors individually after that. Does the Chapter 13 stay on our credit report even though it was never approved by the court?

- DLV

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Transferred/closed student loan history still affects credit scores

Posted on May 23 2013 by

Dear Experian,

I recently filed a dispute to get the status of my federal student loans changed. They were reported as delinquent because of missed payments. However there was a forbearance put on the account, and after the dispute, the status was updated to transferred/closed. Should my score improve with this update?

- CMW

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You may still be liable for balance owed on deleted account

Posted on May 08 2013 by

Dear Experian,

Am I still liable for an account that I disputed and that was deleted from my credit report?

- MGB

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Debit bureau reports not a part of your Experian credit report

Posted on May 08 2013 by

Dear Experian,

How long does ChexSystems information remain on file? Why does it prevent one from opening a CD, savings account or mutual fund?

- SHF

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