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.
Dear Readers, After 36 years with Experian I am retiring to explore the world and spend more time with my family. While I am certainly happy and ready for this next phase in my life, I will definitely miss having the opportunity to answer your questions and share information about credit reports and credit scores. […]
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?
How can an account I paid off and closed still be on my report? It has been there since 2008.
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?
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?
How do I dispute an account on my report? Experian is showing an account open that has been closed for two years.
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?
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?
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.
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.