Score Advice

“Missing accounts” might not be reported by your lenders

Posted on Nov 21 2012 by

Dear Experian,

There are four accounts missing on my report, and the one account listed has the wrong creditor’s name on the account. What can I do to correct this?

-TMM

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Lack of mortgage loan listed as credit score risk factor

Posted on Nov 21 2012 by

Dear Experian,

I was looking at my credit report and it stated, “You do not have a mortgage account in good standing.” What does this mean? I do not own a house.

- JKL

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On-time cell phone payments are not currently reported

Posted on Nov 21 2012 by

Dear Experian,

If I have a two year contract with a cell phone company, and if I pay my cell phone bill on time in full every month until the contract is up, does that build my credit score?

- CMR

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Student loans reported as “claim filed with government”

Posted on Nov 21 2012 by

Dear Experian,

My student loans were consolidated into a new loan. My old student loans now state “closed/paid collection” and, “Claim filed with government for insured portion of balance on loan.” Does this negatively impact my credit scores? I see “potential negative account” on all of the old loans. Can I get these old student loans removed to improve my credit scores?

- JNN

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How consolidated student loans will appear in your credit report

Posted on Nov 07 2012 by

Dear Experian,

I recently consolidated my student loans with one vendor, but all my other accounts still appear on my credit report. It says it has been transferred, but I would like to know if I can remove those accounts from my report since they are counting as open installment loans.

-SCB

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Tax liens in your credit report

Posted on Nov 07 2012 by

Dear Experian,

How long do public tax liens stay on your report after they have been released?

- SVB

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The difference between Chapter 13 bankruptcy and Chapter 7 bankruptcy

Posted on Nov 07 2012 by

Dear Experian,

What is the main difference between a Chapter 13 bankruptcy and a Chapter 7 bankruptcy? Also, how do the two types affect your credit rating differently?

- SRD

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Inquiries can be removed only if fraudulent

Posted on Nov 07 2012 by

Dear Experian,

Can inquiries be removed from your credit report?

-VNT

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National Protect Your Identity Week is Oct. 20-27

Posted on Oct 24 2012 by

National Protect Your Identity Week is Oct. 20-27. Here are a few tips to help you protect your identity.

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How to add a security freeze to your credit file

Posted on Oct 24 2012 by

Dear Experian,

How can I get a credit freeze on my report?

-FSG

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Removing an incorrect address in your credit report

Posted on Oct 24 2012 by

Dear Experian,

You have me listed at an address I have never lived at. How is this removed?

-DNW

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Cosigning a loan could affect your ability to get credit in the future

Posted on Oct 24 2012 by

Dear Experian,

Will cosigning a student loan hurt my chances of receiving a car loan in the future?

-SWK

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Credit scores not impacted by employer listing or income

Posted on Oct 24 2012 by

Dear Experian,

It appears all three credit reporting agencies had listed my employer incorrectly. What impact does my correct employment and earnings have on my credit rating?

-RCH

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Lifting a credit freeze to apply for credit

Posted on Oct 10 2012 by

Dear Experian,

I do not want to lift my security freeze but want to apply for a new credit card. Is that possible to do without lifting the freeze?

-HPD

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Lowering credit limits can hurt credit scores

Posted on Oct 10 2012 by

Dear Experian,

I have heard that requesting lower credit limits can hurt your credit scores. Is this true?

-MMB

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Debt can still be collected after it is removed from the credit report

Posted on Feb 29 2012 by

Dear Experian,

Once an item is removed from the report after having been reported for 7-10 years, can the creditor still try to collect the debt? Can the account still collect interest?

- LGD

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Buy-here-pay-here dealer not likely to report payments

Posted on Sep 28 2010 by

Dear Experian,

I bought a car from a buy-here-pay-here place and paid off the car in full. Can I add that to my credit report?

- HOL

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Separating your credit from your ex-spouse

Posted on Sep 28 2010 by

Dear Experian,

I am separating from my husband and do not want his creditworthiness joined with me anymore. How do I separate my creditworthiness from his?

- SHU

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Notify your lenders when you know you will be facing financial difficulty

Posted on Sep 28 2010 by

Dear Experian,

I am wondering if we should let the three national credit reporting companies know that due to the recession right now we are having difficulty with some of our payments. We have had no work for two years and are really struggling at the moment. My husband is on disability but is still looking for work. Our credit up to this point has been good.

- MJB

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Credit report does not show that an application was declined

Posted on Sep 15 2010 by

Dear Experian,

I have a good credit score. I decided not to continue on a refinance application due to bad customer service. They sent me a declination letter, stating the refinance was rejected due to my credit. Will this rejection show up on or impact my credit?

- NYS

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Income isn’t the key factor in getting credit card

Posted on Sep 15 2010 by

Dear Experian,

How could it be that I make $80,000 a year but I can’t get a retail credit card?

- TNI

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Protecting your children from identity theft

Posted on Sep 15 2010 by

Dear Experian,

Identity theft is a growing problem for children. Can I put a security freeze on my three-year-old daughter’s file even though there most likely is no activity? If this is not possible can I call to see if there is activity under her Social Security number?

- MJJ

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Why accounts in bankruptcy continue to be part of your credit report

Posted on Sep 15 2010 by

Dear Experian,

Why are the accounts that are under a bankruptcy listed individually? Doesn’t the bankruptcy cover that?

- ELZ

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Why you might be required to mail a request for your credit report

Posted on Sep 01 2010 by

Dear Experian,

I tried to get my credit report from Experian online, and a box popped up saying I could get it by mail, but not online, because of security reasons. Do you know why? Is it because there’s something suspicious on my report? How can I find out?

- TCH

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Parents refuse to cosign for student loan to protect credit standing

Posted on Sep 01 2010 by

Dear Experian,

I am trying to get a student loan, but my parent’s refuse to cosign because they fear cosigning for my student loan will affect their credit score, thus lowering their chances of getting a mortgage. This is so important because this will be my final year of college. Is this true?

- YOD

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