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Can Creditors Garnish My Wages?

July 20, 2017

Dear Experian, Can a creditor still garnish your wages even though the account is showing “closed” on my credit report? The account shows as, “Charged off as bad debt....

Can I Remove Negative but Accurate Information from My Credit Report?

July 18, 2017

Dear Experian, I have a debt from a department store credit card. It was charged off a few months ago. I have the money to pay it now. I...

How Long Does It Take for a Repossession to Come off Your Credit?

July 13, 2017

Dear Experian, I am a graduate student with no income. I have a car payment that hasn't been paid in two months, and now they want to repossess it. I...

What Does It Mean to Default on a Loan?

July 11, 2017

Dear Experian, I had student loans in default that have now been consolidated and brought current through another company earlier this year. All student loans are still reporting as...

Will Your Credit Scores Change This Summer?

July 7, 2017

As of July 2017, Experian, Equifax and Transunion are making updates when it comes to how items such as civil judgments and tax liens will appear on your credit...

Can I Negotiate with Debt Collectors?

July 6, 2017

Dear Experian, I have two charge offs on my credit report from two different credit cards. Is it possible to get the credit card companies to remove the charge...

How Long After Getting My First Credit Account Will a Score Be Created?

June 29, 2017

Dear Experian, I am an international student. It was very difficult for me to get a credit card application approved even after getting a job and getting a Social...

I Am Having Trouble Answering the Online Security Questions. What Should I Do?

June 27, 2017

Dear Experian, I cannot access my credit report online. I was asked several security questions about accounts I did not recognize. I have the form to request the report...

What’s the best way to dispute incorrect information?

June 22, 2017

The easiest, fastest and safest way to dispute inaccurate information on your credit report is online at If you have a current copy of your personal credit report, you...

How Do I Report Identity Theft?

June 22, 2017

Dear Experian, How do I add a fraud statement to my credit report? I want to warn creditors that I have recently been a victim of identity theft and...

Is it better to pay off bad debt or to settle it?

June 20, 2017

It is always better to pay your debt off in full if possible. Although settling an account is typically viewed more favorably than not paying it at all, a...

What Happens to Debt When I Die?

June 20, 2017

Dear Experian, In the event of a family member or spouse’s death, who becomes responsible for the deceased’s debt? What if there is no insurance or money left by...