Posts Tagged "credit report content"

Some credit accounts may not appear on your credit reports

Dear Experian,

Why does my good credit not show on my credit report?

– WRB

No credit history despite having several open accounts

Dear Experian,

I recently tried to apply for a car loan. They told me I was denied because they could not find any of my credit history information. I have a few credit cards from department stores, so I’m not sure why this happened. What can I do to have my information updated?

– BMR

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

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

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

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

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

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

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

“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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