Posts Tagged ‘ payment ’

“Short sales” usually deleted 7 years from the mortgage’s first late payment

Dear Experian, How long is a short sale on your credit report? We did a short sale in December 2010, and it is still on our credit report. - SPG

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Make payments only to the collection agency that currently owns the debt

Dear Experian, I have two collection agencies reporting the same item. If I pay the current collection company will both of them be updated as paid in full or do I have to pay them separately? - WJH

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Late payments continue to appear after declaring bankruptcy

Dear Experian, How can I get late payments removed for items that were included in bankruptcy? - NPN

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Reporting positive rent payments can help your credit scores

Dear Experian, How can I report my rent payments? My landlord does not. - TCR

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Collection account payments should never be sent to Experian

Dear Experian, I recently looked at my credit report and saw that I owe two debts, and Experian is the collector. My question is where do I send the payment? I have been trying to pay it for a while now with no luck. Can you help? - PDR

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Transferred/closed student loan history still affects credit scores

Dear Experian, I recently filed a dispute to get the status of my federal student loans changed. They were reported as delinquent because of missed payments. However there was a forbearance put on the account, and after the dispute, the status was updated to transferred/closed. Should my score improve with this update? - CMW

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Being unemployed will not hurt scores if bills continue to be paid on time

Dear Experian, Will a period of unemployment hurt my credit scores? - JNO

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Evictions are not shown in a credit report

Dear Experian, I have an eviction on my credit report which is inaccurate. I have proof that it was paid. Every time I apply for an apartment I am denied because of this eviction on my record. I have ordered my credit reports and it does not appear on any of them, yet it's on every tenant screening report. I would like to know how to have it removed. - VLK

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