Dear Experian,

Why does closing a credit card you are no longer using negatively affect your credit?

- VNO

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Dear Experian,

I have a “charge off” credit card account on my credit report that I have been repaying for over a year. I am paying the original creditor, as they handled their own collections. Why aren’t these payments showing on my credit report?

- KML

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Dear Experian,

I have a tax lien on my report that has been satisfied and released by the State of Ohio and the clerk of courts. How do I report this to Experian and have my credit report show the release of the lien?

- RGK

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Dear Experian,

I cannot sign up for satellite television because they say we have a fraud alert attached to our credit history. We do not need a fraud alert. How do we get rid of it?

- FCS

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Dear Experian,

I recently looked at my credit report and saw that I owe two debts, and Experian is the collector. My question is where do I send the payment? I have been trying to pay it for a while now with no luck. Can you help?

- PDR

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Dear Experian,

We filed for Chapter 13 Bankruptcy in June 2009. The Bankruptcy was never approved or discharged, but was dismissed a few months later. We dealt with all of our creditors individually after that. Does the Chapter 13 stay on our credit report even though it was never approved by the court?

- DLV

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Dear Experian,

I recently filed a dispute to get the status of my federal student loans changed. They were reported as delinquent because of missed payments. However there was a forbearance put on the account, and after the dispute, the status was updated to transferred/closed. Should my score improve with this update?

- CMW

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Dear Experian,

Am I still liable for an account that I disputed and that was deleted from my credit report?

- MGB

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Dear Experian,

How long does ChexSystems information remain on file? Why does it prevent one from opening a CD, savings account or mutual fund?

- SHF

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Dear Experian,

Recently we were told my husband’s credit report with Experian was not reporting and that his credit score is not available. We received a message that says “Factor 9002, Risk Score not available due to model exclusion criteria.” What do we need to do to correct this?

- RCH

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Dear Experian,

I have a “Foreclosure was started” comment on my Experian report. We have made our payments on time for the last 30 months. What should the comment be changed to in order to show that we are no longer in foreclosure and that we are now current? I have seen “Paid Foreclosure.” Would that be accurate?

- RJP

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Dear Experian,

Do items on my credit report in which I am listed as an “authorized user” contribute to my score?

- DRH

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Dear Experian,

Is it true that if more than one mortgage lender requests my credit report within 30 days, it will show up as only one hard inquiry on my credit report?

- BSL

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Dear Experian,

I paid a credit repair specialist $1,800, and seven months later my score has only improved a little. I need help to improve my score. Can you guide me?

- DSG

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Dear Experian,

My daughter is trying to get her first credit card as a college student. They have denied her based on a credit report from you. How can a student that has never had any credit of any kind have a negative credit report?

- RYT

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Dear Experian,

Will a period of unemployment hurt my credit scores?

- JNO

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Dear Experian,

Why was I turned down when I asked to remove my husband’s name from our electric bill and place it in my name instead? The electric company told me to contact Experian to see why there was a “hold.”

- SRH

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Dear Experian,

I disputed items on my credit report and they were deleted by the other credit reporting companies, but not Experian. The results say it was considered verified. How is it possible that there are different results? I know that these are errors. What steps should be taken?

- MSA

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Dear Experian,

If a family member were to open college savings accounts in my children’s names, would that appear on a credit report? I’ve had to deal with identity errors with my husband, and I’m concerned that my sister would do this using her address and mess up my kid’s identities.

- CLE

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Dear Experian,

I don’t have any open credit accounts, so how do I inform Experian of my new home address?

- VLK

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Dear Experian,

I just reviewed my credit report and found that a significant credit purchase was not listed. All my payments were made on time. Can this be reflected in my credit report?

- BLR

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Dear Experian,

Is there any way I can check my credit score without it hurting my score? How much does it hurt me to order my credit score?

- KWS

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Dear Experian,

Can I use my employer tax ID number to repair my damaged credit?

- KMR

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Dear Readers,

The threat of identity theft this tax season leaves consumers with more to worry about than whether or not a tax return is in the mail. A thief may use sensitive information, such as a Social Security number, to claim a fraudulent tax refund, open fraudulent credit cards or commit other criminal acts. It is especially important to protect the personal financial information found in your tax returns.

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Dear Experian,

I pay my credit cards off in full before the payment is due, yet my report shows a 60 percent utilization ratio. Why is this happening and how can I prevent this besides getting more available credit or not using my cards?

- RBR

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