Posts Tagged ‘ scores ’

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? - SKV

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Closing store credit cards could affect your credit scores

Dear Experian, Can closing a few of my department store credit card accounts affect my credit scores if I have established good credit and have high credit scores? My husband wants to eliminate our higher interest rate cards. - LTB

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Authorized user’s credit scores could be hurt if mother doesn’t pay

Dear Experian, I am an authorized user on my mother’s account. Will it affect me if she misses payments? Will it hurt my credit? - SHN

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Reporting utility bill payments will be beneficial to consumers

Dear Experian, I got my credit report recently and was shocked to find that all of my monthly obligations were not listed, making my score very low. I pay my utility bills, Internet service provider, merchandise shipping contracts, telephone, cable television, and rent on time every month, and I have an open Paypal/Ebay account. If these were listed I am sure that my report would look more favorable. How can I get these items onto my reports so that a future lenders looking at my credit profile for a home loan will know that I am an honest hard working person, paying her obligations as agreed? - DST

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