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Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can’t find what you’re looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

Is there a way to get an eviction removed? A judgment was filed against me. If a judgment is discharged in your Chapter 7 bankruptcy, can it be removed from your report?

Your Experian credit report does not indicate that you have been evicted from your residence.

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Credit reporting agencies determine an individual’s credit score from payment history, type of debt, length of account history, and the amount of revolving debt. Late payments contribute to a lower credit score and can prevent individuals from obtaining new credit or even employment. Creditors are responsible for providing the three major credit reporting agencies with accurate payment information. If the reported information is inaccurate, the credit bureaus and creditors are under legal obligation to remove it.

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Your consumer credit report is the key to purchasing power with credit — a credit report that is free of negative entries and shows a long history of on-time payments can help you qualify for car loans, lines of credit, credit cards and mortgage loans. If your credit report contains a negative entry that you believe was made in error, you can take steps to have the entry removed to preserve your credit score and maintain your creditworthiness.

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When you get a copy of your credit report, it is a snapshot of your balance at the time the report is printed. Your balance will fluctuate all through the month, based on charges, payments, and interest compounded. In fact, the difference may be simply because the credit card company has not reported the latest change to the credit bureaus.

Give it a Month

For instance, if you just made a big payment, and paid off your credit card, it may take a month for it to show up on your credit report.

Mistakes

However, there can also be mistakes. If you have had a credit card that shows a sudden increase in balance, first of all, call the credit card company or go online to make sure your number has not been stolen. They will have procedures in place to protect your balance.

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Employers extending job offers usually make the offer conditional, based on the applicant passing a background check. Some companies require a credit check as a part of the background check. In those instances, information on the credit report could prompt the employer to withdraw the offer. There isnt a national standard on this, as each employer has its own rules for evaluating background checks, and not every employer checks credit.

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Lowering a high balance on a credit report can help improve your FICO rating. Creditors send notifications to the bureaus each month, and with these notifications, creditors update your balance on credit cards and loans. High balances decrease your score because the more debts you owe, the higher your debt-to-income ratio. You can combat this issue and lower balances on your credit report.

Difficulty: Moderate

1. • 1Double check the accuracy of reports. A creditor or lender may fail to update your report and report a higher balance after you’ve paid down or paid off an account. Obtain your report from Annual Credit Report and check the balance of each listed account. If creditors inaccurately list an account, contact the creditor and ask it to update your record.
   • 2Decrease the amount you owe to help bring down balances.

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