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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Notifying other credit reporting companies about dispute results

Posted on Aug 01 2012 by

Dear Experian,

I used your system to dispute an error on my credit report. I received the confirmation back that the error has been deleted. Do I now have to go to the other credit reporting companies to dispute or will Experian notify them so they will remove the error?

- JPH

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Qualifying for new credit when you have no credit history

Posted on Aug 01 2012 by

Dear Experian,

I have no credit score and am unable to get credit for a car loan. How do I get a credit score? I have my own apartment and am paying all utilities. Will that help? If so how long does it take, or where should I start?

- KNY

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Secured credit card application denied, but not by Experian

Posted on Jul 18 2012 by

Dear Experian,

In order to establish credit, I recently deposited $500 into a checking account and applied for a secured credit card. I received a letter from Experian stating that the secured credit card application was denied based on my past credit history. If the credit card is secured by the money in the account, why is my past credit history being considered by Experian?

- KDH

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Employers, credit scores and freezing your credit file

Posted on Jul 18 2012 by

Dear Experian,

Can a prospective employer get a credit score on me if I have a security freeze, or do I need to remove the security freeze?

- ARJ

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Deciding whether to close paid off accounts

Posted on Jul 18 2012 by

Dear Experian,

I have four accounts that have a limit of $300 each. I have had these accounts for years. I would like to know if I should close them once I pay them off. I am concerned that having credit cards with low credit limits is negatively affecting me.

- JLD

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Removing an Active Duty Alert

Posted on Jul 18 2012 by

Dear Experian,

How do you remove an Active Duty Alert? I am not on active duty and have never been in the service, but I have an Active Duty Alert on my report and it is preventing me from getting a mortgage.

- MZN

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How a settled judgment appears in a credit report

Posted on Jul 04 2012 by

Dear Experian,

I settled a judgment with a creditor. Is it still showing as judgment, or is reported as settled?

- KDH

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Experian Connect tool ideal for small property management companies

Posted on Jul 04 2012 by

Dear Experian,

We are a property management company looking for a monthly credit report service. Where do I get that info?

- ARJ

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There are different credit scores, but not different “levels” of credit reports

Posted on Jul 04 2012 by

Dear Experian,

My Experian report says my score is 781. A credit card company said my score from Experian was 720 five days earlier. They said I may be receiving a different level of reports. Does Experian report different scores with a wide range of numbers?

- JLD

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Checking your own report will not hurt your credit scores

Posted on Jul 04 2012 by

Dear Experian,

Will checking my own credit report through Experian lower my score?

- MZN

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Reporting a judgment against a former tenant

Posted on Jun 20 2012 by

Dear Experian,

I have an eviction and financial judgment against a former tenant. Do I need to report it to Experian in order for it to appear on his credit report?

- JNS

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Adding an authorized user who has declared bankruptcy

Posted on Jun 20 2012 by

Dear Experian,

If I add an authorized user who filed bankruptcy to my credit card, will that affect my credit scores?

- SDY

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