I cannot sign up for satellite television because they say we have a fraud alert attached to our credit history. We do not need a fraud alert. How do we get rid of it?
My daughter is trying to get her first credit card as a college student. They have denied her based on a credit report from you. How can a student that has never had any credit of any kind have a negative credit report?
I was denied credit based on a credit report from Experian. Can I order a free credit report online from Experian if I have already used my free annual credit report within the last 12 months?
How can I get my credit file updated? I have paid off two loans and made every payment on time. However, when I tried to get preapproved for a home loan I was told my credit report was inactive because there has been no change to my report in six months.
I would like to clean up my credit, but want to know if it is beneficial to close revolving credit accounts that I am not using or will never use again or if I should leave them open. I have never missed a payment on multiple accounts and usually pay more than the minimum payment due. However, I was recently denied increases in limits as well as declined for new accounts. The reason given was “the amount of revolving balances on credit report is too high.”
In order to establish credit, I recently deposited $500 into a checking account and applied for a secured credit card. I received a letter from Experian stating that the secured credit card application was denied based on my past credit history. If the credit card is secured by the money in the account, why is my past credit history being considered by Experian?
I pulled a credit report because of a declined application. Does that restart the clock for the annual report, or are they separate events?
I just had my credit run for a credit card and was denied. The lender said Experian was used to check my credit and I am entitled to a copy of my credit report. How do I get this?
I have been denied credit. Can I get a free copy of my credit report?
If it says on my report that I have zero negative items and zero accounts in good standing why would I be denied a credit card if I pay my bills regularly. Nothing is behind as far as I can see.