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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Executor of an estate can obtain the deceased’s credit report

Posted on Sep 12 2012 by

Dear Experian,

I am the personal representative for my brother’s estate. I’m trying to identify his active credit accounts so that I can compile a list of creditors for the estate. Is it possible for the estate executor to order a credit report for the deceased?

- NJN

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Individuals cannot report their own accounts

Posted on Sep 12 2012 by

Dear Experian,

How do I submit payment history for an account not listed on my credit report, therefore, adding a new account?

- CRT

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Impact of having a repossession reinstated

Posted on Sep 12 2012 by

Dear Experian,

If you have a repossession and then a reinstatement, does the reinstatement help your credit scores?

- CBN

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Declined because “the amount of revolving balances is too high”

Posted on Aug 29 2012 by

Dear Experian,

I would like to clean up my credit, but want to know if it is beneficial to close revolving credit accounts that I am not using or will never use again or if I should leave them open. I have never missed a payment on multiple accounts and usually pay more than the minimum payment due. However, I was recently denied increases in limits as well as declined for new accounts. The reason given was “the amount of revolving balances on credit report is too high.”

- HST

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Recent college graduate may not have a credit report

Posted on Aug 29 2012 by

Dear Experian,

What should I do if I cannot be found in your system? I am trying to obtain a credit report since I have just graduated college and would like to start building credit.

- AGB

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Medical collection accounts can be part of a credit report

Posted on Aug 29 2012 by

Dear Experian,

On my credit report there are two collection items. One says Medical Payment Data. The other just says Emergency Physician. I need their contact information, such as address and phone, so I can get in touch with them. Can you please help?

- NYW

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The meaning of “derogatory public record”

Posted on Aug 29 2012 by

Dear Experian,

My credit score states “time since derogatory public record or collection is too short.” What is a “derogatory public record”?

- JTR

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Discharged bankruptcy will still affect credit scores

Posted on Aug 15 2012 by

Dear Experian,

Once a Chapter 7 bankruptcy is discharged, will it still affect my credit score?

- ADZ

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“Foreclosure” worse than “paid for less than full balance” but not much

Posted on Aug 15 2012 by

Dear Experian,

Which has a more negative effect on my credit score, “Account Paid In Full For Less Than the Full Balance” or “Foreclosure”?

- ZPT

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Revolving accounts paid in full and closed but still showing on report

Posted on Aug 15 2012 by

Dear Experian,

All my credit cards are paid in full and closed but still showing revolving on my credit history. I want to clean up my credit history. What steps do I need to follow?

- SHS

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Account reported for first time shows it is 90 days late

Posted on Aug 15 2012 by

Account reported for first time shows it is 90 days late

Dear Experian,

In what instance does a credit profile reflect a 90 day late when it never reflected a 30 or 60 day late? Is it possible to just be 90 days delinquent without first being 30 or 60?

- ADC

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It is possible to owe debts not on your credit report

Posted on Aug 01 2012 by

Dear Experian,

Everything shows on the credit report right? Every debt you owe? I currently have two debt collectors harassing me claiming I owe them money and threatening to sue me. But when I look on my report, there is nothing that is open against me. How do I get them to send me actual proof that I owe?

- JYG

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Actions to take after receiving a security breach notification

Posted on Aug 01 2012 by

Dear Experian,

I work for a school district and its information has been hacked. They advised us to contact the credit companies. What I should do to protect myself? They are not sure how much information was stolen, and the hackers are threatening to release the information to the public. Please tell me what I need to do.

- AAD

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