Posts Tagged ‘ credit report content ’

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[ READ MORE ]

“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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

The meaning of “too few accounts rated current”

Dear Experian, What does "too few accounts rated current" mean? - TJM[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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

Tweet 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. [...][ READ MORE ]

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

Dear Experian, Can creditors find you through a credit check? - DMW[ READ MORE ]

Opt out of debt, not credit reporting

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

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[ READ MORE ]

“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[ READ MORE ]

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[ READ MORE ]

How soon banks report new accounts

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

Sending change of address to Experian not necessary

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

Accounts deleted after dispute could be returned to your credit report

Dear Experian, I disputed an account and it was deleted because the lender didn’t respond in time. I just got a letter saying they are putting the account back on my report. Can they do that? - RLG[ READ MORE ]

Personal report lists who has requested your credit report for two years

Dear Experian, I need to know who has inquired on my credit report. I have a copy of my credit report from a lender who denied me credit and it only shows the number of credit report inquiries. I want to know who has inquired and the dates they inquired. - DMO[ READ MORE ]

Why both creditors appear on your report after a loan is sold

Dear Experian, One creditor sold an account to another. Why are they both showing up on my credit report? - DSH [ READ MORE ]

Canadian credit history will not transfer to the United States

Dear Experian, Will my Canadian credit history transfer to the USA? - ERS[ READ MORE ]

Buy-here-pay-here dealer not likely to report payments

  • September 28th, 2010
  • Posted in Featured

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[ READ MORE ]

Credit report does not show that an application was declined

  • September 15th, 2010
  • Posted in Featured

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[ READ MORE ]