Posts by experian.team:

Late payments continue to appear after declaring bankruptcy

Dear Experian,

How can I get late payments removed for items that were included in bankruptcy?

– NPN

Opting out will not cause your credit report to disappear

Dear Experian,

I’ve recently been denied credit because my credit information is either missing or unavailable. Does this have anything to do with the fact that I elected to “opt out” years ago, and if so, how do I go about changing this?

– MJP

Identity theft can land a fraudster in jail

Dear Experian,

Can a person actually go to jail for identity theft? I was just curious if someone can actually get in trouble for it, or if people just get away with it!

– IMM

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

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. 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 post.