Posts Tagged ‘ paid in full ’

Credit card paid in full but does not show zero balance

Dear Experian, I pay my credit cards off in full before the payment is due, yet my report shows a 60 percent utilization ratio. Why is this happening and how can I prevent this besides getting more available credit or not using my cards? - RBR[ READ MORE ]

Mortgage application denied because of inactive credit history

Dear Experian, 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. - PAT [ READ MORE ]

Paid collection account not deleted immediately

Dear Experian, How do I get something I have paid removed from my credit report? I'm trying to get approved for an apartment and I need it taken off ASAP. I have the letter from the collection agency showing the debt has been paid in full. - RRB[ READ MORE ]

Payment history may cause “paid” account to be listed as “potentially negative”

Dear Experian, I have a paid, closed account showing as potentially negative on my credit report. Why, if it shows paid, is it listed as a negative item? - ORI[ READ MORE ]

Paid debt not deleted immediately; documentation not necessary for removal

Dear Experian, If you pay off a debt does it get taken off of your credit report with in a month? How does it get removed? Do you have to show proof of payment such as writing a letter? - RDA[ READ MORE ]

“Potentially negative” items listed on credit report

Dear Experian, How can I get my credit score up? It seems to keep going down, and I have paid almost everything off. Also, if an account is paid in full, why is it considered potentially negative on my report? Can I remove it? - EIG[ READ MORE ]

When paid off accounts are deleted

Dear Experian, If I pay off a negative account on my credit report, will it be removed from my credit and raise my score or will it remain on there seven years and not change my score? How does this work? - TYK[ READ MORE ]