Dear Experian,

Does “potentially negative, closed” mean the account was paid?

- MLL

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Dear Experian,

I cosigned on a mortgage loan for my daughter. My credit report shows this as my mortgage, even though I am not making payments. Does this reflect on my credit if I want to take out a loan in the future? And if it does, what can I do about it?

- ZIM

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Dear Experian,

One creditor sold an account to another. Why are they both showing up on my credit report?

- DSH

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Dear Experian,

I was looking at my credit report online and it showed that I am using 99 percent of the credit available to me. What does that mean? Also, I know that I have one student loan that is at almost $60,000. How much effect is that going to have on me if I am trying to get a home loan?

- RAH

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Dear Experian,

Do you have online booklets explaining how you can read a credit report?

- ECL

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Dear Experian,

How and where can I repay or pay on a debt that’s on my credit report?

- TCP

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Dear Experian,

What is worse, having several credit cards in collection or having a bankruptcy on your credit report?

- JUA

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Dear Experian,

I lost my job two years ago and have had a bad patch paying my bills. My credit score dipped substantially. I managed to get on plans with my late accounts and am on track to be debt free in about three years. Can my score ever improve?

- THO

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Dear Experian,

About a year ago my checkbook was stolen. Whomever it was stolen by has continuously written bad checks in many places. I filed a police report and closed my bank account one week after I discovered my missing checkbook. I was honestly unaware that this would affect my credit report. How do I get all this fixed?

- CKE

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Dear Experian,

Does it affect my credit score if I pull my own credit report more than twice a month?

- LAK

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Dear Experian,

How do you not qualify for bankruptcy?

- EYC

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Dear Experian,

I was told by a realtor that paying off everything on my report will cause my score to drop. Is this true?

- STM

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Dear Experian,

Will my Canadian credit history transfer to the USA?

- ERS

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Dear Experian,

I do not have a Social Security number. Instead, I have an EIN number. Does the EIN number replace a Social Security number when placing a fraud alert?

- NKO

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Dear Experian,

Can I cancel a fraud victim statement so I’m not asked a billion questions anymore when I apply for a loan?

- RST

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Dear Experian,

How do you dispute something on your credit report?

- ONT

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Dear Experian,

Will a secured credit card establish and built a credit score for my 19-year-old son?

- WND

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Dear Experian,

If an item is disputed through another credit reporting agency and an investigation is conducted and decision issued, must I dispute the same item with Experian or just submit the results of the other investigation?

- DEN

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Dear Experian,

Can you tell me how long late payments on a student loan are reported on my credit report?

- RNT

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Dear Experian,

Do you have online booklets explaining how you can read a credit report?

- STC

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Dear Experian,

How long does a bankruptcy stay on your report? It has been almost six years and I am still denied credit on that basis alone.

- LBE

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Dear Experian,

I just finished making a final payment on my car. However, the car is under my mom’s name. She is refusing to transfer ownership of the car to my name now that it has been paid off. What legal actions can I take? Or does this mean that I have to give the car back to her?

- KHW

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Dear Experian,

I recently had a bankruptcy removed from my credit report, but it didn’t change my score. When or how do you update the credit score?

- PLM

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Dear Experian,

If I paid some negative outstanding credit off last year, how can I get those off of my credit report?

- YNC

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Dear Experian,

On the credit report, the account status details say, “This account is scheduled to continue on record until July 2010.” This is July 2010. Does that mean July 31, 2010? After July, will this item fall off of my report?

- RIE

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