Report Advice
What you need to know about this crucial financial document

Removing ex-spouse’s address from credit report after divorce

Posted on May 02 2014 by

Dear Experian,

My credit report shows two addresses for my former husband, who moved to Virginia. I have lived in Illinois for 36 years. I was able to dispute one address, but not the other. How do I get both removed? Also, my employer information is wrong. I was able to dispute it, but not provide the correct employer information. How do I do that?

– JWD

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Using your credit report to compile a complete list of your creditors and debts

Posted on Mar 28 2014 by

Dear Experian,

How do I find out what I really owe and if any creditor will settle for less if I can pay off the balance? Can I get a list of all my creditors from you?

– CYD

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Difference between “balance-to-limit ratio” and “debt-to-income” ratio

Posted on Mar 28 2014 by

Dear Experian,

What is the appropriate balance-to-limit or debt-to-income ratio? I do not maintain a balance on my credit cards but worry that I have credit limits that are too high and could impact my overall credit.

– TBL

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Authorized user unaffected by mother’s missed payments

Posted on Mar 27 2014 by

Dear Experian,

I am an authorized user on my mother’s account. Will it affect me if she misses payments? Will it hurt my credit?

– SHN

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Student loans are debt obligations like any other loan

Posted on Mar 27 2014 by

Dear Experian,

My student loans are affecting my credit. Why?

– NCB

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Collection accounts are not removed immediately after being paid in full

Posted on Mar 13 2014 by

Dear Experian,

If you have a derogatory record on your credit report from a collection agency and you pay off the debt in full, will the debt be taken off of your report sooner? Or do you still have to wait the seven years?

– MSK

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You must submit request in writing to permanently opt out of receiving prescreened offers

Posted on Mar 13 2014 by

Dear Experian,

I received a letter from Experian today regarding permanently removing my name from pre-approved credit offer mailing lists. The letter is requesting name, Social Security number, current address, and previous address. I would like to permanently remove my name, but I am not sure that this letter is legitimate. Can you please confirm?

– SBA

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Debt discharged in bankruptcy continues to show in your credit report

Posted on Mar 13 2014 by

Dear Experian,

How can a debt that was dismissed during a bankruptcy almost four years show up now on the credit report as derogatory? Can we appeal to have it removed from the credit report?

– MCH

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Utilization rate may be cause for lower scores when you have few accounts or low credit limits

Posted on Feb 26 2014 by

Dear Experian,

I only have one debt which is less than $1,000. I also have two credit cards. Together they have a balance of about $2,000 each month, but I pay them off monthly. Why isn’t my credit score higher?

– KCE

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You might still owe on your mortgage after declaring bankruptcy

Posted on Feb 26 2014 by

Dear Experian,

I want to know if I still owe my mortgage company after filing Chapter 13 bankruptcy. When I filed I was in foreclosure, and they said I owed $72,000. I paid that amount in full. Now the company is saying I owe $59,000 more. Does this sound right? I have my discharge papers from the courts.

– ARB

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The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.