Posts Tagged ‘ credit report content ’

Using your credit report to compile a complete list of your creditors and debts

Dear Experian, How do I find out what I really owe and if any creditor will settle for less if I can pay off the balance? Can I get a list of all my creditors from you? - CYD

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Authorized user account not appearing on the credit report

Dear Experian, I checked my credit report online and saw that it says I have no credit cards. I am an authorized user on a card, and I pay the balance every month. Why doesn't it appear on my report? - MDM

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Sharing a merged report with a mortgage customer

Dear Experian, Is it now OK to release a customer’s tri-merge report to the customer? The tri-merged report was pulled to apply for a home loan through the seller and broker. - RHO

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Credit report may be hurt by joint lease, utilities with roommates

Dear Experian, My daughter is in the process of looking for a new apartment and obtained a copy of her credit report. She found her credit is "fair." She also found her roommate's name, Social Security number, rental history and other information listed on the report. This was quite shocking to my daughter. She is very upset. They each signed a year's lease which expired a few months, ago. They are now on a month-to-month basis. She knows her roommate is frequently delinquent on her bills. In particular, she knows this is true in regard to their monthly rent. My daughter pays her portion on time. Why is my daughter's roommate listed on my daughter's credit report? What part of the roommate's financial life, if any, comes into play on my daughter's credit score? How long will the roommate's financial history and habits reflect on my daughter's report? How can my daughter become a single entity as far as her credit is concerned? - RBH

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Collection account does not have to appear on your credit report to be legitimate

Dear Experian, I received a letter from a collection agency asking that I pay almost $3,000 for a debt that was originally a credit card opened in 1996. It seemed to come out of the blue, and when I called to get some bearings I was not given satisfactory answers or clarification. When I mentioned that this hasn't been on my credit report they replied that they don't report to the credit bureaus. Isn't that what would make them legitimate? If they don't report to the credit bureaus are they a legitimate company? - JCK

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Employer listings on your credit report

Dear Experian, I used Quizzle.com to see my Experian credit report. You have my current employer incorrectly listed. The employer you show was a couple of jobs ago, and I work for a completely different company now. How significant is this? Should I request you update your records? Will I harm my credit standing by making such a request? - CKC

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Full account numbers not shown on your personal report

Dear Experian, I see that your report displays my bank account number, as well as several current account numbers for credit cards, etc. Does anyone who requests a credit report on me see all this personal information? - GNG

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“Missing accounts” might not be reported by your lenders

Dear Experian, There are four accounts missing on my report, and the one account listed has the wrong creditor's name on the account. What can I do to correct this? -TMM

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Eviction is not shown on a credit report

Dear Experian, How long does it take for an eviction to show up on your credit report? - PHF

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Individuals cannot report their own accounts

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

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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It is possible to owe debts not on your credit report

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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How a settled judgment appears in a credit report

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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The meaning of “too few accounts rated current”

Dear Experian, What does "too few accounts rated current" mean? - TJM

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Removing closed accounts in good standing from your credit report

Dear Experian, How do I go about getting old, closed in good standing, credit card accounts off my credit report? - GRB

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Owner-financed mortgage not reported on credit report

Dear Experian, I purchased a home in November 2011. The owner is carrying the note. I would like to get my payment history reported to you. What does he have to do in order to report my payments so they reflect on my credit report? - TML

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Closed accounts remain part of credit history

Dear Experian, I printed my and my husband's credit reports. There are accounts that have been closed for years, but a note says they will remain on the report for years to come. Why do they remain if they have been inactive for years? - JYS

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Income is not part of a credit report so cannot be updated with Experian

Dear Experian, How do I get the word to Experian that my income has greatly increased? I was denied a credit limit increase on my credit card, and I think it was because they think I still have a low income. - ORI   Dear ORI, Income is not part of your credit report. Lenders […]

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Creditors might be able to use a credit report to locate you

Dear Experian, Can creditors find you through a credit check? - DMW

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Opt out of debt, not credit reporting

Dear Experian, I want to opt out of all credit reporting. Can I do it? - CPR

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Email addresses are not part of your credit report

Dear Experian, I would like to update my personal information, specifically my e-mail address. How can I do that? - DRI

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“Overdraft/reserved checking account” is a collection account

Dear Experian, I work in my company’s Human Resources department, and our consumer reporting agency uses Experian to obtain credit reports. We have recently seen the term "Overdraft/Reserve Checking Account" on credit reports and are not familiar with what that means. Our consumer reporting agency told us to contact you. We only see it when the account is not in good standing. - EGR

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Public records that can appear in your credit report

Dear Experian, What kinds of public records can be part of a credit report? How often are they updated, and if I have a paid public record on my credit report, how do I get it taken off? - AMB

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How soon banks report new accounts

Dear Experian, How soon do banks have to report new credit loans to the reporting agencies? - MLC

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Sending change of address to Experian not necessary

Dear Experian, Do we need to do a change of address when moving? - EVC

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