Posts by experian.team:

Sharing a merged report with a mortgage customer

Dear Experian,

Is it now OK to release a customer’s tri-merge report to the customer? The tri-merged report was pulled to apply for a home loan through the seller and broker.

– RHO

Car accidents don’t affect your credit report

Dear Experian,

Does having a car accident hurt your credit score?

– OYD

When you can get free credit reports

Dear Experian,

If I were denied credit recently, am I able to get a free copy of my credit to see what’s on it? I’ve already had my free credit report for this year.

– MJC

Cosigners are responsible for debt repayment

Dear Experian,

I cosigned a loan with my son. He is not making payments, and it will be turned over to a collection agency soon. Other than this circumstance I have good credit and make all payments on time. How does this one instance affect my credit rating if it’s not my loan and I’m just the cosigner?

– LCJ

Impact of a short sale when your mortgage is not delinquent

Dear Experian,

With the declining value of property, sellers are caught in the position of having to short sale on properties for which the sellers are not delinquent. How does a short sale in which a person has never been delinquent report?

– OVE

Having bad credit even when all of your bills are paid on time

Dear Experian,

Why is my credit bad? I paid every thing on time.

– WOD

Auto loan inquires and credit scores

Dear Experian,

We are going to purchase a car and would like the car dealer and two banks to check for interest rates. How does that ding my score, or since it is for car loans does it only ding once, like when you look for a mortgage rate?

– CKR

Credit challenges when a father and son share the same name

Dear Experian,

I am writing from an employee assistance program company. We help employees find answers and resources to deal with various personal problems. An employee from one of our client companies has the same name as his father. The son and father are having their credit information intermixed. How can they get this corrected, and is there anything they can do to help prevent this from happening in the future?

– IMB

Why a credit score by itself is meaningless

Dear Experian,

I have a credit report and a score of 785. So what? I haven’t been able to ascertain what the “grading scale” is. Any help?

– STO

Getting married when your girlfriend has declared bankruptcy twice

Dear Experian,

I’m planning to ask my girlfriend to marry me. However, I just found out she has filed for both chapter 7 bankruptcy, in 2000, and chapter 13 bankruptcy, in 2008. I’ve been told this not good for our future and that it will affect my credit if we do get married. Any insight would be helpful.

– CWC

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