Dear Experian,

My daughter was talked into purchasing a motorcycle for a friend of hers and now he doesn’t want it and is thinking of dumping my daughter. If she voluntarily returns the motorcycle to the dealer, will her credit be ruined, and if so, for how long? If she is not able to pay a deficiency, will a judgment against her affect her credit?

- GBH

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Dear Experian,

What looks better on my credit report, closing a credit card account myself or the credit card company closing my account?

- EAU

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Dear Experian,

I currently have no credit. Not bad credit, no credit. I am interested in purchasing a new vehicle and a family member has offered to cosign. However, we’ve been offered zero percent interest because of her excellent credit but only if she’s the primary and I cosign. If we do this and I am the one who makes the payments monthly, will me being the cosigner give a positive effect and establish my credit?

- SSL

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Dear Experian,

My husband I have had a joint credit report for the last 10 years. Our credit is in good standing, by the way. Now that we are divorcing, what steps do we need to follow to establish our own individual credit reports? Will our positive credit history follow us to our newly established individual reports, or does one person retain the good history and the other start new?

- MEL

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Dear Experian,

What is the best way to prevent identity theft at home?

- OBE

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Dear Experian,

What prepaid credit cards report to Experian?

- FRE

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Dear Experian,

I’m planning to buy a house soon, and I just paid off a fair amount of debt and I hope it changes my score. What I was wondering is how often do the credit bureaus reevaluate your credit and change your credit score? Is it monthly, quarterly or less? And if they only do it a few times a year can you request to have your credit rescored so it shows up when my credit is ran two weeks from now?

- NPU

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Dear Experian,

What does “transferred, closed” mean on an account?

- GER

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Dear Experian,

If I order a credit report and score for myself, does it count against my credit history?

- SKA

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Dear Experian,

How can I get my credit score up? It seems to keep going down, and I have paid almost everything off. Also, if an account is paid in full, why is it considered potentially negative on my report? Can I remove it?

- EIG

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Dear Experian,

How can you get your kids to understand credit?

- EHA

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Dear Experian,

What is difference between credit counseling and debt settlement?

- CKB

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Dear Experian,

How do I get my credit report when it has adversely affected a loan?

- CBR

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Dear Experian,

My college freshman daughter applied for a credit card, was declined, and then applied for a secured card and was also declined. How can I help her build credit? She obviously has no history, but I am concerned that the two denials are going to hurt her score. I am at a loss on how she can build her own credit.

- UAR

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Dear Experian,

I have two public records that appear on my credit report that I have paid off. Would submitting a satisfaction of judgment to the credit bureaus take those off of my record?

- JKI

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Dear Experian,

If I cosigned on student loans for someone I was previously engaged to, but the relationship did not work out, am I still jointly responsible for those loans?

- SDE

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Dear Experian,

I don’t have any credit. I never had to buy anything. I was married at a very young age and my husband did all the buying. What do I do now?

- NEK

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Dear Experian,

I just graduated and read somewhere that the higher your education the higher your score. How do I inform Experian to add my bachelor’s degree completion?

- FNS

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Dear Experian,

Is it possible not to have a report? I am a resident since 2003!

- NIC

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Dear Readers,

We receive so many letters that begin, “How can I…..,” and in most cases the problem is easily solved with one simple step. In almost all cases, the answer is that you need to first get a copy of your credit report directly from the credit reporting company.

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Dear Experian,

Does disputing information with Experian cause credit scores to lower?

- MIL

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Dear Experian,

What happens if your credit card goes over your limit? What are the best options in your opinion?

- JNT

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Dear Experian,

Does putting a security freeze on my file prevent me from getting my free annual credit report?

- CPI

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Dear Experian,

How do I get companies to remove negative remarks off my accounts? I also have an account with a zero balance that I paid off, and it’s still on my report.

- ALT

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Dear Experian,

My name was on one of my parents’ credit cards for emergencies. My name was taken off the card a couple months ago. When I applied for a credit card I got denied. The reason stated was, “Your total credit obligations, which include outstanding credit lines, are too high to meet our approval guidelines, when compared to your stated income.” What can I do to get it expunged from my record?

- LEN

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