About maxine.sweet

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Profile: Maxine Sweet is vice president of Experian North America’s Public Education organization and leads Experian’s consumer education, community involvement and corporate responsibility teams. Maxine is responsible for helping consumers understand credit reporting and how to use credit wisely.

Posts by maxine.sweet:

Entering payment plan will not “restart the clock” for removing charge off

Dear Experian,

I have a charge off from 2009. I am in a payment plan. Does this mean I started the clock over on when the charge off will be removed?

- EYJ

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Paid account will not be deleted from your report immediately

Dear Experian,

How can an account I paid off and closed still be on my report? It has been there since 2008.

- CBH

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“Statement of dispute” delaying mortgage refinance

Dear Experian,

We are refinancing our house. There was an account on my husband’s credit report that he had disputed at the time it was reported. It is still showing disputed. The mortgage lender told us they needed a letter from the company stating it is no longer being disputed. We did that. Now they are saying they need the statement of dispute to be removed from the credit report, and they are telling us the credit bureau is going to charge us to do that. I have never heard of the credit bureau requiring payment. Is this correct?

- MMI

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Original delinquency date determines when repossession and collection account will be deleted

Dear Experian,

I had a repossession in July 2006, but on my credit report it states date reported January 2013. A collection agency owns the account now. When will it be removed from my history? Is it based on the date of initial delinquency or the date reported?

- TMF

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Contact your lender to make sure account is closed before initiating a dispute

Dear Experian,

How do I dispute an account on my report? Experian is showing an account open that has been closed for two years.

- SCH

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Late payments during mortgage modification can be reported

Dear Experian,

I have never been late with mortgage except the two months I was working on a mortgage modification with my mortgage company. I was told not to pay my mortgage payments until a determination was made, yet my account shows I was two months late. Why?

- SKV

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Selling or transferring an account to a new creditor does restart the deletion time period

Dear Experian,

A creditor of mine sold my credit card debt to another company after seven years. Do I now have to wait another seven years to have it removed from my credit reports?

- LDE

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Requesting corrected report be sent to creditors

Dear Experian,

Whom do I contact to request a corrected credit report be sent out to creditors? I was an identity theft/fraud victim and there were fraudulent inquiries on my report which have been removed.

- TNT

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Closing store credit cards could affect your credit scores

Dear Experian,

Can closing a few of my department store credit card accounts affect my credit scores if I have established good credit and have high credit scores? My husband wants to eliminate our higher interest rate cards.

- LTB

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Getting your credit scores before buying a car

Dear Experian,

I’m buying a car and would like to know my credit score. How can I obtain this before shopping?

- NTS

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Authorized user’s credit scores could be hurt if mother doesn’t pay

Dear Experian,

I am an authorized user on my mother’s account. Will it affect me if she misses payments? Will it hurt my credit?

- SHN

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Credit card balance can affect credit scores even if paid in full each month

Dear Experian,

My credit score factors say “amount owed on revolving accounts is too high,” but I pay the balances off every month. I make more than $1 million per year and have no debt at all. Please explain why this is a factor in my score.

- TRZ

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Removing ex-spouse’s address from credit report after divorce

Dear Experian,

My credit report shows two addresses for my former husband, who moved to Virginia. I have lived in Illinois for 36 years. I was able to dispute one address, but not the other. How do I get both removed? Also, my employer information is wrong. I was able to dispute it, but not provide the correct employer information. How do I do that?

- JWD

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Authorized user unaffected by mother’s missed payments

Dear Experian,

I am an authorized user on my mother’s account. Will it affect me if she misses payments? Will it hurt my credit?

- SHN

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Student loans are debt obligations like any other loan

Dear Experian,

My student loans are affecting my credit. Why?

- NCB

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How to temporarily lift a security freeze

Dear Experian,

I need to lift the security freeze for 24 hours to buy a car. How do I do that?

- PDT

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Debt discharged in bankruptcy continues to show in your credit report

Dear Experian,

How can a debt that was dismissed during a bankruptcy almost four years show up now on the credit report as derogatory? Can we appeal to have it removed from the credit report?

- MCH

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National Protect Your Identity Week reminds us to be proactive in preventing fraud

As National Protect Your Identity Week (Oct. 20–26) nears an end, think about how you can actively protect your identity. Here are several ways to use your credit report to identify unauthorized activity and stop possible identity fraud before suffering potential financial loss.

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National Protect Your Identity Week is Oct. 20-27

National Protect Your Identity Week is Oct. 20-27. Here are a few tips to help you protect your identity.

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