Report Advice

Balance-to-limit ratio applies only to revolving accounts

Posted on Aug 16 2013 by

Dear Experian,

Does the balance-to-limit ratio only apply to credit cards, or does it apply to installment loans, such as student loans or auto loans, as well?

- NDR

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The meaning of “too few accounts paid as agreed”

Posted on Aug 16 2013 by

Dear Experian,

My credit score came back with a statement saying, “too few accounts paid as agreed.” I was wondering what that means since I have never paid an account or bill late.

- CHW

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How long it takes for scores to go up depends on your overall credit history

Posted on Aug 16 2013 by

Dear Experian,

How long after negative information is removed will it take for your credit score to go back up? When viewing your credit report, can a business see if you have been denied credit?

- FSU

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How disputed information is updated with other credit reporting agencies

Posted on Aug 16 2013 by

Dear Experian,

If one credit agency deletes a record because my dispute was favorable; how does that get reported to the other agencies, or does it? Do I send a copy of the result of investigation to the others so they can remove the unfavorable item?

- KVI

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Employer listings on your credit report

Posted on Aug 16 2013 by

Dear Experian,

I used Quizzle.com to see my Experian credit report. You have my current employer incorrectly listed. The employer you show was a couple of jobs ago, and I work for a completely different company now. How significant is this? Should I request you update your records? Will I harm my credit standing by making such a request?

- CKC

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The impact of paying a collection account on credit scores

Posted on Aug 16 2013 by

Dear Experian,

Does settling a debt that is showing negative on my credit report as a “collection”, get removed from my report as soon as it is paid? Does paying this debt help raise my credit score?

- ONY

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The difference between “closed” and “paid in full”

Posted on Aug 15 2013 by

Dear Experian, Some of my accounts that are paid in full show “closed” instead of “paid in full.” Does this hurt my credit rating? If my account is paid in full but did have delinquent payments throughout the term of the loan, can it be deleted seven years from the original delinquency date? – OGG […]

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U.S. credit history will not transfer to Canada

Posted on Aug 14 2013 by

Dear Experian,

I am a citizen of both the U.S. and Canada. I currently reside in the U.S., but I plan to move with my family back to Canada. Will my United States credit history transfer to Canada? Are there credit card companies that offer accounts that will transfer from the U.S. to Canada?

- JST

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How ex-husband’s address appears on your credit report

Posted on Aug 14 2013 by

Dear Experian,

After viewing my credit report, I saw that two addresses are addresses where I have never lived. They are addresses of my ex-husband. How do they get on my report?

- TTO

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Adding a statement explaining collection accounts to your credit report

Posted on Aug 14 2013 by

Dear Experian,

Can I include a letter in my credit report to explain a charge off or collection?

- SMB

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Small claims judgments are reported to credit bureaus

Posted on Aug 13 2013 by

Dear Experian,

I am a landlord that has been awarded a small claims judgment in excess of $5,000. Can this be reported to a credit bureau, if so how?

- RDT

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Using checks from your credit card company

Posted on Aug 13 2013 by

Dear Experian,

Is it wise to use checks that your credit card company sends you stating that you can use them anyway you please?

- VPJ

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The impact of credit counseling on credit scores

Posted on Aug 13 2013 by

Dear Experian,

How does credit counseling affect credit scores, and will credit counseling result in damage to one’s credit report or score?

- AKN

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Landlords can share credit reports with tenants

Posted on Aug 13 2013 by

Dear Experian,

Can a landlord show a prospective tenant a copy of their credit report? Can a landlord give a prospective tenant a copy of their credit report?

- REB

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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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