Balance on collection account may not be updated until it is paid in full

Posted on Jun 05 2013 by

Dear Experian,

I have a “charge off” credit card account on my credit report that I have been repaying for over a year. I am paying the original creditor, as they handled their own collections. Why aren’t these payments showing on my credit report?

- KML

Read more

Tax lien automatically updated to show it is satisfied and released

Posted on Jun 05 2013 by

Dear Experian,

I have a tax lien on my report that has been satisfied and released by the State of Ohio and the clerk of courts. How do I report this to Experian and have my credit report show the release of the lien?

- RGK

Read more

Fraud alert stopping satellite TV application

Posted on Jun 05 2013 by

Dear Experian,

I cannot sign up for satellite television because they say we have a fraud alert attached to our credit history. We do not need a fraud alert. How do we get rid of it?

- FCS

Read more

Collection account payments should never be sent to Experian

Posted on May 23 2013 by

Dear Experian,

I recently looked at my credit report and saw that I owe two debts, and Experian is the collector. My question is where do I send the payment? I have been trying to pay it for a while now with no luck. Can you help?

- PDR

Read more

Bankruptcy will show in your credit report even though it was dismissed

Posted on May 23 2013 by

Dear Experian,

We filed for Chapter 13 Bankruptcy in June 2009. The Bankruptcy was never approved or discharged, but was dismissed a few months later. We dealt with all of our creditors individually after that. Does the Chapter 13 stay on our credit report even though it was never approved by the court?

- DLV

Read more

Transferred/closed student loan history still affects credit scores

Posted on May 23 2013 by

Dear Experian,

I recently filed a dispute to get the status of my federal student loans changed. They were reported as delinquent because of missed payments. However there was a forbearance put on the account, and after the dispute, the status was updated to transferred/closed. Should my score improve with this update?

- CMW

Read more

Replacing a lost security freeze PIN number

Posted on May 22 2013 by

Dear Experian,

I placed a security freeze on my account and have misplaced the PIN needed to temporarily remove the freeze. How do I get a replacement PIN?

- MCH

Read more

You may still be liable for balance owed on deleted account

Posted on May 08 2013 by

Dear Experian,

Am I still liable for an account that I disputed and that was deleted from my credit report?

- MGB

Read more

Debit bureau reports not a part of your Experian credit report

Posted on May 08 2013 by

Dear Experian,

How long does ChexSystems information remain on file? Why does it prevent one from opening a CD, savings account or mutual fund?

- SHF

Read more

Not enough activity to generate credit score

Posted on May 08 2013 by

Dear Experian,

Recently we were told my husband’s credit report with Experian was not reporting and that his credit score is not available. We received a message that says “Factor 9002, Risk Score not available due to model exclusion criteria.” What do we need to do to correct this?

- RCH

Read more

Foreclosure proceedings started

Posted on May 08 2013 by

Dear Experian,

I have a “Foreclosure was started” comment on my Experian report. We have made our payments on time for the last 30 months. What should the comment be changed to in order to show that we are no longer in foreclosure and that we are now current? I have seen “Paid Foreclosure.” Would that be accurate?

- RJP

Read more

Authorized user accounts could factor in to credit scores

Posted on Apr 24 2013 by

Dear Experian,

Do items on my credit report in which I am listed as an “authorized user” contribute to my score?

- DRH

Read more

Multiple mortgage inquiries treated differently by most scoring models

Posted on Apr 24 2013 by

Dear Experian,

Is it true that if more than one mortgage lender requests my credit report within 30 days, it will show up as only one hard inquiry on my credit report?

- BSL

Read more

Key to improving scores is making payments on time, not hiring credit repair

Posted on Apr 24 2013 by

Dear Experian,

I paid a credit repair specialist $1,800, and seven months later my score has only improved a little. I need help to improve my score. Can you guide me?

- DSG

Read more

College student declined for first credit card

Posted on Apr 24 2013 by

Dear Experian,

My daughter is trying to get her first credit card as a college student. They have denied her based on a credit report from you. How can a student that has never had any credit of any kind have a negative credit report?

- RYT

Read more

Being unemployed will not hurt scores if bills continue to be paid on time

Posted on Apr 10 2013 by

Dear Experian,

Will a period of unemployment hurt my credit scores?

- JNO

Read more

Utility company may decline aplication to transfer account wife from husband

Posted on Apr 10 2013 by

Dear Experian,

Why was I turned down when I asked to remove my husband’s name from our electric bill and place it in my name instead? The electric company told me to contact Experian to see why there was a “hold.”

- SRH

Read more

Resolving disputes with credit bureaus when you disagree with results

Posted on Apr 10 2013 by

Dear Experian,

I disputed items on my credit report and they were deleted by the other credit reporting companies, but not Experian. The results say it was considered verified. How is it possible that there are different results? I know that these are errors. What steps should be taken?

- MSA

Read more

College savings account won’t appear on credit report or risk child’s identity

Posted on Apr 10 2013 by

Dear Experian,

If a family member were to open college savings accounts in my children’s names, would that appear on a credit report? I’ve had to deal with identity errors with my husband, and I’m concerned that my sister would do this using her address and mess up my kid’s identities.

- CLE

Read more

Updating the mailing address on your credit report

Posted on Mar 27 2013 by

Dear Experian,

I don’t have any open credit accounts, so how do I inform Experian of my new home address?

- VLK

Read more

Lender may choose not to report a credit account

Posted on Mar 27 2013 by

Dear Experian,

I just reviewed my credit report and found that a significant credit purchase was not listed. All my payments were made on time. Can this be reflected in my credit report?

- BLR

Read more

Ordering your own credit report won’t hurt your credit scores

Posted on Mar 27 2013 by

Dear Experian,

Is there any way I can check my credit score without it hurting my score? How much does it hurt me to order my credit score?

- KWS

Read more

Using employer tax ID number won’t fix bad credit

Posted on Mar 27 2013 by

Dear Experian,

Can I use my employer tax ID number to repair my damaged credit?

- KMR

Read more

Identity theft on rise during tax season

Posted on Mar 18 2013 by

Dear Readers,

The threat of identity theft this tax season leaves consumers with more to worry about than whether or not a tax return is in the mail. A thief may use sensitive information, such as a Social Security number, to claim a fraudulent tax refund, open fraudulent credit cards or commit other criminal acts. It is especially important to protect the personal financial information found in your tax returns.

Read more

Evictions are not shown in a credit report

Posted on Mar 13 2013 by

Dear Experian,

I have an eviction on my credit report which is inaccurate. I have proof that it was paid. Every time I apply for an apartment I am denied because of this eviction on my record. I have ordered my credit reports and it does not appear on any of them, yet it’s on every tenant screening report. I would like to know how to have it removed.

- VLK

Read more

  • ©2014 Experian Information Solutions, Inc. All rights reserved.