Posts Tagged "credit scores"

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?

– JLE

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?

– EST

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?

– DLN

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

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?

– SHN

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?

– CHG

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!

– EDC

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?

– BSB

Paid student loans listed by semester won’t hurt credit

Dear Experian,

I have student loans on my report with different amounts but the same account number. They are all under accounts in good standing. I think that they are repeated. They are listed nine times! I also have two other student loan accounts with the same account number but with a different company. I have consolidated my school loans twice so I’m assuming that they are from before I consolidated. Do all these hurt my credit? They are all paid/never late/closed, but I’m concerned it shows that I over extend myself.

– AMS

Being removed as a cosigner from children’s student loans

Dear Experian,

I co-signed college loans for my children. They are now both out of school, working and re-paying the student loans on time with no delinquencies. I would like to remove my name as co-signer. Will this increase my credit score, and will it decrease their credit scores?

– PBK