Posts Tagged "credit scores"

Authorized user accounts can be disputed upon request

Dear Experian, Is an authorized user responsible for the debt? If an authorized user is removed from the credit card, can the credit card also be removed from the credit report? I also read somewhere that credit bureaus will not take into account authorized users for credit scores. Is that true? – CHS Dear CHS, […]

Dealership pulled copy of credit report in error

Dear Experian,

I recently found out that a car dealership pulled a hard inquiry on my credit without my consent. I also had a password protected account with them. The employee at the dealership who pulled it admitted that he did this and did not have my consent. What should I do?


Credit scores are not included in credit reports

Dear Experian,

I got my credit report, but where is my credit score? How do I get it?


Repossession or voluntary surrender will remain for seven years

Dear Experian,

How long does a derogatory closure of an account pertaining to an auto loan affect your credit scores?


Inquiry will appear on report whether application is approved or declined

Dear Experian,

Should the hard inquiry I have on my credit report from applying for credit be removed if I ended up getting approved and establishing credit with the credit card company?


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?


Authorized user unaffected by mother’s missed payments

Dear Experian,

I am an authorized user on my mother’s account. Will it affect me if she misses payments? Will it hurt my credit?


Lack of U.S. credit history can result in higher utility deposit

Dear Experian,

I’m a visiting J1 exchange professor at the University of Hawaii, and I’m being asked by the Hawaiian Electric company to pay a pretty hefty deposit for service to the house I’m renting. They have told me that Experian is the company they use for credit ratings and that the deposit is based on a rating provided by you. I have a very good credit rating in my home country. Could this rating not be used by your company?


Closed accounts will remain in credit history for up to 10 years

Dear Experian,

How do I have old credit card accounts that are long ago closed or paid off removed from my credit report? I know that my score is negatively affected because of so many “open” accounts!


Missing payments will worsen impact of mortgage short sale

Dear Experian,

How will it affect my credit score if I short sell my house without missing any mortgage payments versus missing payments prior to the sale?


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