“Requests viewed only by you” do not affect credit scores

Posted on Dec 05 2012 by

Dear Experian,

On my credit report in the section “Requests for your credit history summary,” there is a “Requests viewed only by you” section. One creditor has about 62 requests in the past two years, and I don’t have an account with them. Does this affect my credit score every time they check my credit? Or, is this just for their records to send me offers and does not affect me? I did not apply for a credit card from them ever.

- JYG

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Mortgage application denied because of inactive credit history

Posted on Dec 05 2012 by

Dear Experian,

How can I get my credit file updated? I have paid off two loans and made every payment on time. However, when I tried to get preapproved for a home loan I was told my credit report was inactive because there has been no change to my report in six months.

- PAT

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Lender may check credit report after car is repossessed

Posted on Dec 05 2012 by

Dear Experian,

Why is my old creditor pulling my credit report? I had a car that I could not afford after being laid off. I ended up giving the car back and my account was charged off. I have no open accounts with them, so why are they pulling my credit report one year later?

- CLU

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“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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Moving from Canada to the U.S.

Posted on Oct 10 2012 by

Dear Experian,

I moved to the U.S. in January 2012 from Canada. I obtained a Social Security number and got a secured credit card, and I was lucky enough to get a car loan. I have been paying both accounts on time every time. This all occurred in February and March and still I have no credit report. When can I expect to have a credit report? I tried today, and Experian is still not showing any information for me.

-BMR

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Paying off closed or charged off accounts

Posted on Oct 10 2012 by

Dear Experian,

Does paying off a closed or charged off account raise your credit scores?

-TYC

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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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Removing ex-spouse’s name from your credit report

Posted on Sep 26 2012 by

Dear Experian,

I just got my credit report, and I see my ex-husband listed as my husband. We are already divorced. What can I do in this case? I have never paid any bill late, and my credit score is low. I want to make sure his credit is not affecting me.

- MTR

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Application declined because credit score can’t be calculated

Posted on Sep 26 2012 by

Dear Experian,

I am trying to get a loan and am being denied because your company won’t list a score on me. Why?

- LRT

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Collection account added after declining settlement offer

Posted on Sep 26 2012 by

Dear Experian,

A debt collector contacted me about a debt that isn’t on my credit report. If I don’t pay him the settlement offer he proposed, can he then add the account to my report?

- RBL

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New spouse’s old debt won’t hurt your credit scores

Posted on Sep 26 2012 by

Dear Experian,

If I have a very good credit score and I marry someone with a bad credit score and previous debt, does that affect my credit score?

- DTR

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Eviction is not shown on a credit report

Posted on Sep 12 2012 by

Dear Experian,

How long does it take for an eviction to show up on your credit report?

- PHF

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