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Articles by The Experian Team

Fraud Alert Should Not Cause Increase in Apartment Fees

January 2, 2013

Dear Experian, My apartment complex raised my fees because you reported, “APPLICANT: High Probability SSN Belongs to Another. There is an excellent chance that the Social Security number on the...

Student Loan Debt Listed as “Government Claim”

January 2, 2013

Dear Experian, On one of my student loan accounts this was posted: “Government Claim/Insurance Claim.” What does that mean? - RSC

Allowing Late Mortgage Payments for Short Sale

December 19, 2012

Dear Experian, If I'm planning to do a short sale but have not yet gone behind on monthly payments, is there any advantage to not going behind on payments? In...

Make Medical Payments to the Collection Company

December 19, 2012

Dear Experian, I have been making monthly payments for a hospital bill. The hospital has stopped all correspondence and continues to cash my checks. They have also reported on my...

Full Account Numbers Not Shown On Credit Report

December 19, 2012

Dear Experian, I see that your report displays my bank account number, as well as several current account numbers for credit cards, etc. Does anyone who requests a credit report...

It’s Free to Dispute Information on Your Credit Report

December 19, 2012

Dear Experian, We want to fix our credit report, but when we called Experian we were told that we would have to pay money for it. Why do you say...

Can A Collection Agency Sell Your Medical Debt

December 5, 2012

Dear Experian, Can a collection agency sell your medical debt to another collection agency in order to keep it on your credit report when it's coming close to the seven...

Mortgage Denied Due to Inactive Credit History

December 5, 2012

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...

Lender May Check Credit Report After Car is Repossessed

December 5, 2012

Dear Experian, Why is my old creditor pulling my credit report? I had a car that I could not afford after being laid off. I ended up giving the car...

Missing Accounts Not Reported by Your Lenders

November 21, 2012

Dear Experian, There are four accounts missing on my report, and the one account listed has the wrong creditor's name on the account. What can I do to correct this? -TMM

Lack of Mortgage Loan as Credit Score Risk Factor

November 21, 2012

Dear Experian, I was looking at my credit report and it stated, "You do not have a mortgage account in good standing.” What does this mean? I do not own...

Cell Phone Payments are Not Reported

November 21, 2012

Dear Experian, If I have a two year contract with a cell phone company, and if I pay my cell phone bill on time in full every month until the...

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