How to dispute information in your credit report
Posted on Oct 13 2010 by experian.team
Dear Experian,
How do you dispute something on your credit report?
- ONT
Collection account payments should never be sent to Experian
Experian does not collect debts on behalf of creditors
Bankruptcy will show in your credit report even though it was dismissed
Once filed the case is a matter of public record and appears in your credit history.
Secured credit card could help build a positive credit history
Posted on Oct 13 2010 by experian.team
Dear Experian,
Will a secured credit card establish and built a credit score for my 19-year-old son?
- WND
Deciding whether to cosign a car loan for your son or daughter
Posted on Oct 13 2010 by experian.team
Dear Experian,
My son has less than perfect credit but was told by his bank he could get a car loan with a co-signer. I have extremely high scores and do not want them lowered for any reason under my control. Assuming all of his loan payments are made on time and the loan always remains current, will this negatively affect my credit scores?
- BOA
Buy-here-pay-here dealer not likely to report payments
Posted on Sep 28 2010 by experian.team
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
Separating your credit from your ex-spouse
Posted on Sep 28 2010 by experian.team
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
Notify your lenders when you know you will be facing financial difficulty
Posted on Sep 28 2010 by experian.team
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
What to do if you become a victim of cyber-fraud
Posted on Sep 28 2010 by experian.team
Dear Experian,
I made an online purchase from a site that now appears to be a fraud, and I’m worried that my credit card may be at risk. I did not receive the merchandise and cannot get a response from the retailer. What should I do?
- GHR
Credit report does not show that an application was declined
Posted on Sep 15 2010 by experian.team
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
Income isn’t the key factor in getting credit card
Posted on Sep 15 2010 by experian.team
Dear Experian,
How could it be that I make $80,000 a year but I can’t get a retail credit card?
- TNI
Protecting your children from identity theft
Posted on Sep 15 2010 by experian.team
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
Why accounts in bankruptcy continue to be part of your credit report
Posted on Sep 15 2010 by experian.team
Dear Experian,
Why are the accounts that are under a bankruptcy listed individually? Doesn’t the bankruptcy cover that?
- ELZ
Why you might be required to mail a request for your credit report
Posted on Sep 01 2010 by experian.team
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
Parents refuse to cosign for student loan to protect credit standing
Posted on Sep 01 2010 by experian.team
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
Meaning of “proportion of balances to high credit on revolving accounts”
Posted on Sep 01 2010 by experian.team
Dear Experian,
Can you explain one of the factors for my credit score? The listed factor is “Proportion of balances to high credit on bank revolving or all revolving accounts.”
- RNO
Credit card denied despite good credit history
Posted on Sep 01 2010 by experian.team
Dear Experian,
If my credit history is good, why would a credit card company not issue me a credit card?
- KRG
Notifying Experian of dispute results at other consumer reporting companies
Posted on Aug 18 2010 by experian.team
Dear Experian,
If an item is disputed through another credit reporting agency and an investigation is conducted and decision issued, must I dispute the same item with Experian or just submit the results of the other investigation?
- DEN
Student loan delinquencies are reported in the same way as other accounts
Posted on Aug 18 2010 by experian.team
Dear Experian,
Can you tell me how long late payments on a student loan are reported on my credit report?
- RNT
No special instructions are needed for reading your credit report
Posted on Aug 18 2010 by experian.team
Dear Experian,
Do you have online booklets explaining how you can read a credit report?
- STC
Bankruptcy remains on your credit report for up to 10 years
Posted on Aug 18 2010 by experian.team
Dear Experian,
How long does a bankruptcy stay on your report? It has been almost six years and I am still denied credit on that basis alone.
- LBE
Recovering a lost PIN when your credit file is frozen
Posted on Aug 04 2010 by experian.team
Dear Experian,
I lost my pin for credit thaws and freezes. How do I go about getting another one? Can I do it over the phone or would it be better if I did that in writing?
- WVS
Can mother keep car after daughter makes the payments
Posted on Aug 04 2010 by experian.team
Dear Experian,
I just finished making a final payment on my car. However, the car is under my mom’s name. She is refusing to transfer ownership of the car to my name now that it has been paid off. What legal actions can I take? Or does this mean that I have to give the car back to her?
- KHW
Who can add an Active Duty Alert and when it makes sense to do so
Posted on Aug 04 2010 by experian.team
Dear Experian,
What is an “Active Duty Alert?” Are there pros and cons to placing my account on this status?
- AEB
Steps to take after wallet is stolen
Posted on Aug 04 2010 by experian.team
Dear Experian,
I had my wallet stolen. My entire life was in my wallet including a check book, my Social Security card, driver’s license, identification and passwords to all my personal information, and all my credit cards. I have cancelled all my credit cards but am afraid that they will use my information for other reasons. As it is my credit is not great. What should I do?
- MJG
Paying credit card bills early doesn’t hurt scores
Posted on Jul 21 2010 by experian.team
Dear Experian,
Does paying credit card bills ahead of time hurt your credit scores?
- AVE
About Ask Experian
Welcome to Ask Experian, hosted by Maxine Sweet, Experian's Vice President of Public Education. The blog responses draw on the knowledge of Experian's experts in credit reporting, credit scoring, direct marketing, automotive history, identity theft and other areas from across the company to answer readers' questions about these and other important topics.
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