Report Advice
What you need to know about this crucial financial document

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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Using your credit report to compile a complete list of your creditors and debts

Dear Experian,

How do I find out what I really owe and if any creditor will settle for less if I can pay off the balance? Can I get a list of all my creditors from you?

– CYD

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