Impact of having a repossession reinstated
Posted on Sep 12 2012 by experian.team
Dear Experian,
If you have a repossession and then a reinstatement, does the reinstatement help your credit scores?
- CBN
You may still be liable for balance owed on deleted account
Just because an account no longer appears in your credit report does not mean you no longer are responsible for paying it.
Debit bureau reports not a part of your Experian credit report
ChexSystems is a type of consumer reporting agency called a debit bureau.
Declined because “the amount of revolving balances is too high”
Posted on Aug 29 2012 by experian.team
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
Recent college graduate may not have a credit report
Posted on Aug 29 2012 by experian.team
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
Medical collection accounts can be part of a credit report
Posted on Aug 29 2012 by experian.team
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
The meaning of “derogatory public record”
Posted on Aug 29 2012 by experian.team
Dear Experian,
My credit score states “time since derogatory public record or collection is too short.” What is a “derogatory public record”?
- JTR
Discharged bankruptcy will still affect credit scores
Posted on Aug 15 2012 by experian.team
Dear Experian,
Once a Chapter 7 bankruptcy is discharged, will it still affect my credit score?
- ADZ
“Foreclosure” worse than “paid for less than full balance” but not much
Posted on Aug 15 2012 by experian.team
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
Revolving accounts paid in full and closed but still showing on report
Posted on Aug 15 2012 by experian.team
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
Account reported for first time shows it is 90 days late
Posted on Aug 15 2012 by experian.team
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
It is possible to owe debts not on your credit report
Posted on Aug 01 2012 by experian.team
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
Actions to take after receiving a security breach notification
Posted on Aug 01 2012 by experian.team
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
Notifying other credit reporting companies about dispute results
Posted on Aug 01 2012 by experian.team
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
Qualifying for new credit when you have no credit history
Posted on Aug 01 2012 by experian.team
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
Secured credit card application denied, but not by Experian
Posted on Jul 18 2012 by experian.team
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
Employers, credit scores and freezing your credit file
Posted on Jul 18 2012 by experian.team
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
Deciding whether to close paid off accounts
Posted on Jul 18 2012 by experian.team
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
Removing an Active Duty Alert
Posted on Jul 18 2012 by experian.team
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
How a settled judgment appears in a credit report
Posted on Jul 04 2012 by experian.team
Dear Experian,
I settled a judgment with a creditor. Is it still showing as judgment, or is reported as settled?
- KDH
Experian Connect tool ideal for small property management companies
Posted on Jul 04 2012 by experian.team
Dear Experian,
We are a property management company looking for a monthly credit report service. Where do I get that info?
- ARJ
There are different credit scores, but not different “levels” of credit reports
Posted on Jul 04 2012 by experian.team
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
Checking your own report will not hurt your credit scores
Posted on Jul 04 2012 by experian.team
Dear Experian,
Will checking my own credit report through Experian lower my score?
- MZN
Reporting a judgment against a former tenant
Posted on Jun 20 2012 by experian.team
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
Adding an authorized user who has declared bankruptcy
Posted on Jun 20 2012 by experian.team
Dear Experian,
If I add an authorized user who filed bankruptcy to my credit card, will that affect my credit scores?
- SDY
The meaning of “too few accounts rated current”
Posted on Jun 20 2012 by experian.team
Dear Experian,
What does “too few accounts rated current” mean?
- TJM
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.
Have a question?
Our policies
Popular tags
authorized user
bad debt
bankruptcy
chapter 7
charge off
closing accounts
collection
collection agency
cosigner
cosigning
credit history
credit report content
credit score
credit scores
declination
declined credit
delinquency
discharged bankruptcy
dispute
dispute process
disputing information
divorce
establishing credit
eviction
fraud
freeze
identity theft
improving your score
inquiries
inquiry
joint
judgment
mortgage
no credit history
original delinquency date
paid in full
paying off debts
potentially negative
public record
repossession
revolving accounts
score
score factors
security alert
settled