Posts Tagged "new credit"

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?


Application declined because credit score can’t be calculated

Dear Experian,

I am trying to get a loan and am being denied because your company won’t list a score on me. Why?


Qualifying for new credit when you have no credit history

Dear Experian,

I have no credit score and am unable to get credit for a car loan. How do I get a credit score? I have my own apartment and am paying all utilities. Will that help? If so how long does it take, or where should I start?


New credit card not appearing in your credit report

Dear Experian,

I have had a new credit card since December. They state that they are reporting to the credit bureau but I see no record of it. How can I get this card on my credit report to help my scores?


Time is necessary before credit score can be calculated

Dear Experian,

My husband and I recently purchased a used car. He makes an annual income of $63,000 and I am a full-time, unemployed student. Because he had zero credit and I had student loans on creating a small credit score, we were only able to sign jointly for the car. He was told being the co-signer would be a great way to start earning credit. He’s tried to get a credit card but continues to be denied for lack of credit. We’ve had the car now for four months and all payments have been on-time. We just ran his credit looking at refinancing the car to a lower interest rate and the account is there, but he still does not have a credit score. Our bank suggested contacting you to see how long it takes before he will begin earning a credit score.


Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.