Experian’s “Ask Max” credit advice column http://www.experian.com/ask_max/ Ask Max is the credit reporting industry’s first online consumer credit advice column. en-us Wed, 24 Jun 2009 12:00:00 GMT Copyright 2009, Experian http://blogs.law.harvard.edu/tech/rss 1440 Effect of mortgage loan modification on credit scores http://www.experian.com/ask_max/max062409a.html?rss=1 Wed, 24 Jun 2009 12:00:00 GMT I'm asking my bank to do a loan modification on my mortgage. They said that I need to be 30 days late on my payment in order to do the modification. Is this going to damage my credit?

]]> Deciding when to close credit cards with zero balance http://www.experian.com/ask_max/max062409b.html?rss=1 Wed, 24 Jun 2009 12:00:00 GMT I am thinking about cancelling a few credit cards that have a zero balance that I don't use but have a great payment history with. How will this decision on my part affect my credit scores?

]]> A brief credit reporting history http://www.experian.com/ask_max/max062409c.html?rss=1 Wed, 24 Jun 2009 12:00:00 GMT Who gave permission to collect information at consumer reporting companies, and when did it start?

]]> When chapter 7 bankruptcy is deleted http://www.experian.com/ask_max/max062409d.html?rss=1 Wed, 24 Jun 2009 12:00:00 GMT Does a Chap 7 bankruptcy drop off the report 10 years after filing date or the discharge date?

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