Credit Reports
Court judgment on credit report for non-sufficient funds check
Posted on Jul 07 2010 by experian.team
Dear Experian,
I just paid off an outstanding debt for a non-sufficient funds check written in 2005. I recently found out that a warrant had been issued because of the nonpayment. I have a copy of the court dismissal and receipt for the restitution. How can I be assured this will be removed from my credit report?
- RAA
Impact of allowing mortgage to go delinquent to qualify for short sale
Posted on Jul 07 2010 by experian.team
Dear Experian,
I had excellent credit before we were advised by our lawyer to not pay our mortgage so we could qualify for short sale of our home. One year later, our home is now sold. How can we go about fixing our credit now? All of our other credit history is excellent.
- DNM
What to do if you accidentally dispute an account entry
Posted on Jun 23 2010 by experian.team
Dear Experian,
How can you fix something on your report you accidentally disputed but didn’t mean to?
- QFT
Collection agencies may try to collect a debt after it is deleted from your credit report
Posted on Jun 23 2010 by experian.team
Dear Experian,
How long can a collection agency attempt to collect a debt? Is there a time limit or statute?
- CLI
Removing your son as an authorized user
Posted on Jun 09 2010 by experian.team
Dear Experian,
If I remove my son as an authorized user on my credit card account will the previous activity still be listed on his credit report?
- TLE
Non-sufficient funds checks on a credit report
Posted on Jun 09 2010 by experian.team
Dear Experian,
How long do non-sufficient funds checks (NSF’s) stay on your credit report?
- LLS
Credit monitoring service alert about a new inquiry
Posted on Jun 09 2010 by experian.team
Dear Experian,
How do I find out who is checking my credit report? I have not applied for any recent credit, and a credit monitoring service has reported an Experian credit check.
- MWM
“Charged off” debt must still be repaid
Posted on May 26 2010 by experian.team
Dear Experian,
What does it mean when Account Type/Status says “Charge Off”? Does this mean I no longer owe this amount?
- ERS
Credit reporting companies do not turn down or approve credit
Posted on May 26 2010 by experian.team
Mother cannot report personal car payments
Posted on May 26 2010 by experian.team
Dear Experian,
I’ve been making regular car payments to my mother for a loan in her name. How can she report these payments to help my credit?
- ZAB
Items deleted through dispute should be deleted from all credit reports
Posted on May 26 2010 by experian.team
Dear Experian,
I disputed items on my credit report to Experian, and they were deleted. Will the items be deleted from my reports with the other two agencies as well?
- JSU
Spouse opening new credit card accounts
Posted on May 12 2010 by experian.team
Dear Experian,
I’m pretty much sick of credit cards, and I’m paying off all my accounts. My wife agrees with me but opens new ones whenever she feels like it. Is there a way to keep her from doing that?
- NLI
Opting out of preapproved offers does not help credit scores
Posted on May 12 2010 by experian.team
Dear Experian,
Does opting out of preapproved mail offers raise my credit score?
- RTU
Credit history no longer exists
Posted on May 12 2010 by experian.team
Dear Experian,
I have been living debt free for over 10 years. I had credit at one time and have never had any problems with late or missed payments. I have always had a good job. It seems that my name and existence has been deleted from the credit reporting system. Is there a way for me to at least put the fact that I exist back into the system before making an application for credit?
- CRZ
Information is deleted automatically at the end of the seven year period
Posted on May 12 2010 by experian.team
Dear Experian,
Do you have to request information be removed when it is time to be deleted, or will it just to fall off?
- MCC
How long it takes to thaw a frozen credit report
Posted on Apr 28 2010 by experian.team
Dear Experian,
If I have thawed my credit, how long before I can apply for credit and it will be accessible?
- SME
Effect of multiple mortgage applications
Posted on Apr 28 2010 by experian.team
Dear Experian,
Will it affect my credit score if get I get a mortgage pre-approval letter from more than one bank? If it does how much would it affect my score? Also, will it affect my score, if I check my credit score with you guys?
- UYI
Impact of missing one mortgage payment
Posted on Apr 28 2010 by experian.team
Dear Experian,
I admit I was late on one mortgage payment in 30 years, and my credit dropped 52 points. Is that normal for the credit industry, and am I stuck with that for seven years on my credit? Is a dispute allowed on this or not?
- PWR
Is it better to pay off one credit card or reduce the balances on two?
Posted on Apr 14 2010 by experian.team
Dear Experian,
If I am trying to raise my credit score, it is better to pay off one credit card entirely or pay down the balance of two cards without paying off either one?
- ECH
About Ask Experian
Welcome to Ask Experian, hosted by Maxine Sweet, Experian's Vice President of Public Education. The blog responses draw on the knowledge of Experian's experts in credit reporting, credit scoring, direct marketing, automotive history, identity theft and other areas from across the company to answer readers' questions about these and other important topics.
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