Posts Tagged "payment"

Late payments during mortgage modification can be reported

Dear Experian,

I have never been late with mortgage except the two months I was working on a mortgage modification with my mortgage company. I was told not to pay my mortgage payments until a determination was made, yet my account shows I was two months late. Why?


“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.


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?


Late payments continue to appear after declaring bankruptcy

Dear Experian,

How can I get late payments removed for items that were included in bankruptcy?


Reporting positive rent payments can help your credit scores

Dear Experian,

How can I report my rent payments? My landlord does not.


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?


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?


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?


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.


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