Review and analysis of over 973 complaints against Experian
Experian consumers have reported over 973 official complaints related to Report improperly shared by CRC. Out of the 973 consumer complaints against Experian, 21% were disputed by the consumer (i.e. the consumer was not happy with how Experian responded to their complaint) and 100% were processed in a timely manner. 1% of consumer complaints against Experian resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 32% resulted in non-monetary compensation.
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Experian Credit reporting improper use of my credit report report improperly shared by crc April 13, 2017 - Upon being denied from a lender for " too many inquiries '' from - report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of th... |
Experian Credit reporting improper use of my credit report report improperly shared by crc April 5, 2017 - - Creditor Contact Details -, PA - - I have no idea who they are or what they do. They keep putting hard inquires on my credit report every number that I have tried to call is disconnected. Please remove them from all of my credit reports. -, OK - -... |
Experian Credit reporting improper use of my credit report report improperly shared by crc April 3, 2017 - I filed a complaint and did not receive any response from the credit bureau. It has been over 30 days.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc April 2, 2017 - This account is mine and all - reporting companies took my good standing credit off. Without my permission so please could you have them to put it back. -.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc April 1, 2017 - This account is mine and all - reporting companies took my good standing credit off. Without my permission so please could you have them to put it back -... |
Experian Credit reporting improper use of my credit report report improperly shared by crc April 1, 2017 - This account is mine and all - reporting companies took my good standing credit off. Without my permission so please could you have them to put it back. - $2000.00... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 31, 2017 - they removed this info. from my credit report without my permission which is in good standards - $6000.00... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 31, 2017 - they removed this info. from my credit report without my permission which is in good standards.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 31, 2017 - they removed this from my credit report - $6000.00 Which is in good standings and want back on all - reports... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 31, 2017 - they removed this from my credit report - $2700.00 Which is in good standings and want back on all - reports.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 31, 2017 - - $5100.00 is showing good on all - credit reports Cause they are not reporting this info. to all of the credit companies.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 29, 2017 - I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called -. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at -... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 28, 2017 - I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible - ... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 26, 2017 - -, CA - - -/-/2017 - -, Oh - -/-/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 26, 2017 - -, DE - - Requested On : -/-/-, -/-/- Inquiry Type : Individual Permissible Purpose : - -, T- - - Requested On : -/-/- Inquiry Type : Individual - -, T- - - Requested On : -/-/- Inquiry Type : Individual - -, DE - - Requested On : -/-/- Inquiry Type : Individual - via - -, DE - - Requested On : -/-/- Inquiry Type : Individual Permissible Purpose : - I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law ... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 16, 2017 - I have contacted Experian regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and Experian is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above 3 components they UNDER LAW are to remove the inquiries from my credit repor... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 15, 2017 - I had a credit report of - obtained a copy of your E-PERIAN Credit Report. I have not applied for any credit cards. I am concerned about a fraud attempt to open a credit card.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 9, 2017 - I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avai... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 5, 2017 - The following inquiries are fraudulent and have been reported to - as fraudulent, yet they refuse to remove them. - - Address : - - - - - -, - - - Date of Request : -/-/- Address Identification Number : - Comments : Unspecified. This inquiry is scheduled to continue on record until -/-/-. - - Address : - - - -, - - - Date of Request : -/-/- Address Identification Number : - Comments : Unspecified. This inquiry is scheduled to continue on record until -/-/-. - - Address : - - - -, - ... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 2, 2017 - My credit report with Experian is frozen. On -/-/- at approximately - PM, I requested on line that my credit report freeze be lifted temporarily. The only option offered on the website was for 24 hours, although I only required a one hour credit lift. At - PM today, I called phone number - to verify that the freeze had been reinstated. I told the lady who answered my call that I had asked yesterday that the credit freeze be lifted temporarily, that I understood it was for 24 hours, and that I was calling to verify that my credit report had again been placed in a freeze status. Th... |
Experian Credit reporting improper use of my credit report report improperly shared by crc March 2, 2017 - I was told by - that, I have house which is n't true,. I applied for apartment and I was denied due to inaccurate information, of credit reports. Also inaccurate residential verification.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc February 27, 2017 - I would like to know how does the credit bureau maintain your credit score. I paid off several credit cards last month and I see that the accounts are showing paid in full on my report. However, my credit score is extremely low and I recently tried to refinance my car and was given a higher than usual interest rate, which should have been the reverse since I paid off the majority of my loans and credit cards. I need to know how do the bureaus keep reporting low credit scores when it 's obvious the debts are paid. I have no collections, no judgements and few inquiries. I once read that credit b... |
Experian Credit reporting improper use of my credit report report improperly shared by crc February 26, 2017 - I 've repeatedly reported to Experian that people are applying for credit in my name. I continue getting alerts that my credit file is being accessed. I recently received notification of inquiries I did n't authorize from - - -, 2017 & - - -, 2017. These are fraudulent inquiries that must be removed by law.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc February 25, 2017 - I have unauthorized inquiries reporting on my Experian Credit report. The unauthorized inquiries are from -, -, -, -, -, - -, -, -, -, - and -.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc February 24, 2017 - Basically I 've been keeping an eye on my credit report since I fired - -, however I 've noticed that I have a total of - inquiries on my Experian credit report and I never applied for credit all these times. I was told by a - - Representative that in order to increase my score I had to get more credit and he 'll help me out with that. To sum it up I started receiving credit cards and I assumed it was because my credit was getting better. Long story short I 've seen the inquiries but I assume that that was because they sent me a card. But after reviewing my credit report today o... |
Experian Credit reporting improper use of my credit report report improperly shared by crc February 17, 2017 - On -/-/- a debt collector called - - - ( " - '' ) unlawfully obtained a copy of my Experian credit report. The creditor did not have a " permissible purpose '' as defined in The Fair and Accurate Credit Transactions Act of - ( " FACTA '' ). I have repeatedly reported this to Experian to no avail. Experian says it ' can not remove an inquiry ' which evidences a fundamental indifference to the complaint I am making. I have stated to Experian in no uncertain terms that it is not that I am trying to remove an inquiry from my report, but to prevent the infomation in my report fr... |
Experian Credit reporting improper use of my credit report report improperly shared by crc February 15, 2017 - - let someone else open a credit card under my name -/-/2017 without any hard inquiries in advance, all of - credit reporting bureau ( Experian, -, - ) are failed to inquire me about this case even despite I put 90 day fraud alerts -/-/2017. After I read about - online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc February 14, 2017 - i have many inquiries on my credit file that i did not authorize. on my experian report there are - reportings from -- -/-/- - - -/-/- i contacted - and they confirmed that i did not make these inquiries - i 'm attaching the letter of confirmation in this complaint... |
Experian Credit reporting improper use of my credit report report improperly shared by crc February 8, 2017 - I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : - ( 2 ) - ( 4 ) - - - - - ( 5 ) - ( 4 ) - ( 2 ) - - - - - - - - - ( 3 ) - ( 3 ) - - - ( 3 ) - - - - - - - - - - - ( 2 ) i would like them removed from my credit file... |
Experian Credit reporting improper use of my credit report report improperly shared by crc February 1, 2017 - - obtained my credit report without my prior authroization or consent. Since I already have a pre approved loan with -, I informed them that I would use my approved loan instead of them financing. But - - pulled my credit report from E-PERIAN CREDIT BUREAU without my authorization. I also didnt provide any written or oral authorization for obtaining my credit report for auto loan financing. I also contacted - and they told that they neither obtained my credit report nor applied for auto loan financing. Below are the unauthorized inquires. - - -, - - -, - -... |
Experian Credit reporting improper use of my credit report report improperly shared by crc January 28, 2017 - I try to upload documents for my dispute and I get the error : We were unable to upload the below document ( s ) successfully. Experian has released my credit report excessively and without my authorization. These are all fraudulent inquiries. - - -, - - -, - - - - - -, - - - - - - -, - - -, - - - - - - -, - - - - -, - - -, - - - - - - -, - - - - -, - - -, - - - - - -, - - - - - -, - - -, - ... |
Experian Credit reporting improper use of my credit report report improperly shared by crc January 25, 2017 - E-PERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form - registration statement, ( b ) Federal Reserve form - ( b ) ( - ) prospectus, ( c ) Federal Reserve form FR - balance sheet ( s ), ( d ) Federal Reserve form FR - balance sheet ( s ), ( e ) Federal Reserve form - balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from E-PERIAN in accordance with g.a.a.p, I.f.r... |
Experian Credit reporting improper use of my credit report report improperly shared by crc January 22, 2017 - E-PERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form - registration statement, ( b ) Federal Reserve form - ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form - balance sheet ( s ), ( d ) Federal Reserve form - balance sheet ( s ), ( e ) Federal Reserve form - balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from E-PERIAN in accordance with g.a.a.p, I.f.r.s. in ac... |
Experian Credit reporting improper use of my credit report report improperly shared by crc January 19, 2017 - I applied for a home equity line of credit with a local bank. As part of the normal application process, the bank obtained my credit report. The next day I started being bombarded by phone calls and emails from other lenders, who already knew that I was attempting a mortgage transaction. One of them let slip that they got this information from Experian. Essentially, Experian sold not only my personal info, but specific details of my financial activity, in real time, to other lenders ( competitors, in fact, to the bank that paid Experian for my credit history ). This is not simply a " pre-appro... |
Experian Credit reporting improper use of my credit report report improperly shared by crc January 11, 2017 - I HAVE BEEN DISPUTING - STUDENT LOANS THAT WERE TRANSFERED OVER TO - FOR CONSOLODATION PURPOSES ... ONCE TRANSFERED E-PERIAN REPORTED THAT THERE WAS LATE PAYMENT ON ALL - ACCOUNTS WHICH IS NOT ACCURATE ... .I HAVE BEEN DISPUTING THESE LATE PAYMENTS FOR A YEAR NOW AND E-PERIAN DOESNT RESPONDS EVERY - DAYS WITH A LETTER STATING THAT THEY WILL NOT INVESTIGATE THESE - ITEMS LISTED ON THE DOCUMENT ATTACHED UNTIL I HAVE SUPPORTING DOCS... |
Experian Credit reporting improper use of my credit report report improperly shared by crc January 11, 2017 - on or about - - -, all - experian, - and - put a collection from - collections acct -, in which i recieved - - - - i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated - - - which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also... |
Experian Credit reporting improper use of my credit report report improperly shared by crc January 10, 2017 - Insurance and Banking agencies use Experian-generated questions to confirm identity. These questions are incorrect and they 've caused me to be locked out of my car insurance account ( a company I 've been with for 30 years ). I 've now spent -5 hours trying to resolve this but : 1. Experian has a phone tag system that leads to nowhere. 2. I 've tried to get my Credit Report to see if there 's an actual issue, but I 'm unable to. The " system '' informs me to call Experian- - etc, but ... see - above. These companies have far to much power and operate in such a haphazard way. My ... |
Experian Credit reporting improper use of my credit report report improperly shared by crc January 6, 2017 - I have never paid a bill late nor have i even not paid a bill. As you will see from the attached credit report. My credit has been pulled without my consent of knowledge - times by - on behalf of - cornell and - -. There is no reason at all for them to pull this and I would like them to refrain from ever pulling again. I have never granted them access to my - and they do not have permission to ever pull my credit. I am asking them to CEASE AND DESIST from ever accessing my credit report.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc January 4, 2017 - In - I purchased a - from - in - - California. I provided them with my ssn and gave them permission to pull my credit ONLY ONCE my score was - so there was no reason for them to continue to " shop my loan '' - Pulled my credit for their own financing and they allowed - other vendors to pull my credit they are all on the same day so its easy to know the purpose. I have repeatedly requested to have all inquires deleted except the initial pull and as of today they are still on my Experian Report and E-PERIAN has not removed them despite my requests. In - i only authori... |
Experian Credit reporting improper use of my credit report report improperly shared by crc January 4, 2017 - I noticed that I have inquiries on my report that I do not recognize, THIS IS NOT A REQUEST FOR ANY FRAUD ALERT. This is a final demand for removal of unauthorized credit inquiries from my credit report. I have spent yesterday and this morning on the phone making calls to these companies and have made the proper notes and I am demanding that you stop sending me letters stating that you have to list any inquiry on my credit. This is a total lie You are only suppose to list an inquiry if it has a permissible purpose and you must show proof. If the companies listed are called by me and they eithe... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 30, 2016 - I have asked Experian to provide me proof of PERMISSIBLE PURPOSE for the inquiries that are circled and highlighted in the attached document. Many of them say " Unspecified Reason '' therefore no permissible purpose can be acknowledged nor proven by the companies that asked for my credit. I also have a few from - - - - that says they tried to do a car loan for me. I NEVER asked - - of all companies to finance a car for me. - is my bank and they are the ones that did the car loan for me. Many of the companies that are listed as pulling my credit I have no idea who they are ... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 23, 2016 - I have file two offer complaints with Experian for not updating or removing account base on letterhead from child support asking them to remove any delinquency and account is up today $0.00 balance. Compliant # 1 : - on -/-/-, Compliant # 2 : - On -/-/-. They remove delinquency but they still reporting a balance of $180.00. I file a complaint with - and they updated account right away - -/-/-. There was no need for me to take any further action with - they followed legal document sign and dated by Child support. Experian rather still report and rem... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 22, 2016 - - - - is an unauthorized inquiry that was reported - -, 2016.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 22, 2016 - There was an unauthorized inquiry performed.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 20, 2016 - Despite - written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. E-PERIAN are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Experian first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? E-PERIAN have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on ... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 19, 2016 - Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 16, 2016 - Disputes of negative issues and Inquary... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 15, 2016 - I have written to Experian now many times about the inquiries listed on my credit report that have no permissible purpose and I have asked them to remove them and they refuse. Instead they want to keep putting security alerts or opt-outs on my report. This is NOT what I am asking them to do. This complaint is not claiming ID theft or asking Experian to put a security freeze or fraud alert on my report. This complaint is to ask Experian to supply me with the permissible purpose for each inquiry that is circled in black or remove them from my credit report. 1. I did not reach out to these credit... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 11, 2016 - FIRST OFF THIS COMPLAINT DOES NOT CONSTITUTE ANY ID THEFT SO E-PERIAN IS NOT TO PUT ANY KIND OF FREEZES ON MY REPORT. EVERY TIME I ASK THEM TO REMOVE AN INQUIRY THAT DID NOT HAVE A PERMISSIBLE PURPOSE THEY WANT TO SAY I ASKED THEM TO PUT A FREEZE ON MY REPORT AND THAT IS NOT WHAT I AM ASKING THEM TO DO. THEY HAVE A BUNCH OF INQUIRIES ON MY ACCOUNT THAT DO NOT HAVE A PERMISSIBLE PURPOSE AND I AM ASKING THAT THEY TAKE THEM OFF AND THEY WILL NOT. THE FOLLOWING INQUIRIES ARE TO BE REMOVED AS THEY DO NOT HAVE ANY PERMISSIBLE PURPOSE AND E-PERIAN KNOWS THIS. 1. - ON - - - : REASON UNSP... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 6, 2016 - I did not apply for credit card or anything from - Bank but they made - inquiries on my record. Actually besides -, I have not applied for anything so all the inquiries on my reports should be removed.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 4, 2016 - Old Debt ... that should be off of my account. Charged fees when I travel abroad. I was hit with excessive fees. When My phone was unable to be of use. I had no cell service when I traveled abroad but was charge cell phone fees when I returned to the states.... |
Experian Credit reporting improper use of my credit report report improperly shared by crc December 1, 2016 - My credit report was used inappropriately to determine financial eligibility for a Patient Assistance Program through -, aka " - ''. I was denied use of their program based on what I was informed by them was a " Projection ''. I was also informed by them that my annual income was -. This was a shock to me as my annual income is only -. If it really was - I would n't need assistance. My income of Social Security - and a small pension has not changed significantly in the past few years. After several phone calls, I discovered that Experian was used for this " soft credit check ... |
Experian Credit reporting improper use of my credit report report improperly shared by crc November 30, 2016 - Experian 's -., He said his name was, said that because of the different formulas they use I will get a different score depending on which formula they use. I said that is not my dispute. I said my dispute is the fact that I consistently get between - and - scores from different reports. But when the bank applied, They got - from Experian. I think it is misleading and false reporting for them to lead me into thinking I had an - score or above, and not being able to the score before the bank got it and denied my loan. This shows that with too many different modes of reporting, w... |
Experian Credit reporting improper use of my credit report report improperly shared by crc November 30, 2016 - Experian is not correcting my credit report. I have sent letters, and documentation on all of this to them, as well as proof I have paid off all my credit cards. My credit should be around - or higher I currently work for -, Not - -. I currently make -... |
Experian Credit reporting improper use of my credit report report improperly shared by crc November 30, 2016 - The information on my credit report is wrong. I paid all my accounts, I have submitted letters and documents, over the past year, They have done nothing with this. They should be made to take this bad information off of my account, he is hurting my life... |
Experian Credit reporting improper use of my credit report report improperly shared by crc November 30, 2016 - The Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 7 ), and Section 611 ( 5 ) ( A ) requires credit reporting agencies to verify all accounts posted on a credit report or delete the credit report. The FCRA requires verification by the credit reporting agency actually holding the original signed consumer contract and providing a copy of that contract upon request. I have requested verification by Experian ( 4 notarized letters by certified mail ) and Experian has ignored my request. Under the FCRA, unverified accounts must b... |
Experian Credit reporting improper use of my credit report report improperly shared by crc November 27, 2016 - i got few hard inquiries that i never requested from this bank tried to contact them over the phone and they said they gon na get it removed after 4 months i still see all of them on my credit report... |
Experian Credit reporting improper use of my credit report report improperly shared by crc November 22, 2016 - I reviewed a copy of my credit report last summer and - - of - was allowed by Experian to access my credit in the form of a hard inquiry without my permission on -/-/2016. I was not aware of, nor did I ever authorize such action in written or verbal form in -, as I purchased my car in - of 2016. Also, my car is not financed through - - of -. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I contacted - - of - who conducted the inquiry immediately after noticing the issue... |
Experian Credit reporting improper use of my credit report report improperly shared by crc November 18, 2016 - So many inquiries that I have no idea, so many paid accounts still show... |
Experian Credit reporting improper use of my credit report report improperly shared by crc November 16, 2016 - I am submitting this complaint to help a loved one and other consumers who are in need of repairing their credit after a divorce or because they do not have any credit established because they paid cash for purchases and never obtained a credit card. My complaint is this. Why is our ability to pay our rent ( which is as much as 2 months of my house mortgage ), utility bills and credit union loans in a timely manner not included as good accounts on our credit reports but get a divorce, move and someone neglect to return a component to - and you find yourself with a 7 year negative account li... |