Posts Tagged ‘ delinquent ’

Charged off student loans still in credit report after being paid in full

Dear Experian, I have three student loans from about 12 years ago that where charged off. I paid them off in full two years ago, yet they are still reporting on my credit report. They are being reported as paid in full; however, next to that it lists a loan amount and still shows a balance. The loan amount would be the original amount borrowed, but there must be a mistake since it shows a balance even though it states paid in full. Is this affecting my credit score? Should I get a letter stating paid in full from the lender and send it in to you? - MKD

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Debt consolidation might help, but also could hurt your credit

Dear Experian, Does debt consolidation for credit cards with high interest rates help your credit? - SRO

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Experian will removed delinquent authorized user accounts on request

Dear Experian, I am listed as an authorized user on two of my husband's accounts, one of which was charged off, and the other is in collections. They are showing up on my credit report and negatively impacting me. How can I get these off my credit report? - SHR

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The meaning of “key derogatory” as a credit score factor

Dear Experian, What does "Key Derogatory” mean? - RTC

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Impact of a short sale when your mortgage is not delinquent

Dear Experian, With the declining value of property, sellers are caught in the position of having to short sale on properties for which the sellers are not delinquent. How does a short sale in which a person has never been delinquent report? - OVE

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Accounts still show payment history and amount past due when sent to collections

Dear Experian, I have a couple of accounts that were purchased by another lender or collection agency. I have paid them off and they do show closed, but they still show a balance. Is this negative? Should I dispute? - RYD

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Settled or charged off accounts in your credit report are “potentially negative”

Dear Experian, If an account is paid off/closed, settled, or charged off, why would it still be showing as potentially negative? Is there any way to get these removed so they no longer affect me negatively? - JNG

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