Dear Experian,

Is an authorized user responsible for the debt? If an authorized user is removed from the credit card, can the credit card also be removed from the credit report? I also read somewhere that credit bureaus will not take into account authorized users for credit scores. Is that true?

- CHS

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Dear Experian,

I was under the impression that if you sought after a specific type of loan, such as an auto loan, within a 10 day time frame that it would only post on your report once. However, one car dealer hit my credit three different times for the same auto loan application. Why are all three on my report?

- KIR

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Dear Experian,

My son in-law and I purchased a house together in only his and my name. Can I contact the credit bureaus and let them know that only 50 percent of that dollar amount is my responsibility? That way I would have a lower credit ratio.

- RAE

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Dear Experian,

If you are married can you join your scores together to get approved on a house loan?

- BRI

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Tweet Dear Experian, Is there any way to get information that was on my credit report in August 1994? – HNT   Dear HNT, Think about what it would take to produce a report from any day in the past.  Experian would have to keep a credit report for every person with a credit history [...]

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Dear Experian,

I have a great credit history here in the United States, but I’m planning on moving to England. Would I need to build my credit history from scratch once I settle in the UK?

- AGA

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Dear Experian,

If I pay off a negative account on my credit report, will it be removed from my credit and raise my score or will it remain on there seven years and not change my score? How does this work?

- TYK

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Dear Experian,

I would love to get an answer on how to increase my credit score other than common sense answers like, “Pay your bill on time.” No duh. I’m past that. I didn’t pay on time, now what? Or, get a credit card. My credit is messed up. I can’t get a credit card. I hope you have some information that can actually be applied, like who to pay first. If it’s already in collection should I even pay it off?

- UPE

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Dear Experian,

I have a tax lien release from the IRS. I was going to send it to all bureaus until I read that the credit bureaus get tax lien information automatically from the courts. Does the IRS usually update the bureaus? If not, how and when do you pick up that information?

- HMS

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Dear Experian,

Will paying off and closing a credit card hurt my credit score?

- IND

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Dear Experian,

If a person cosigns a student loan for a college student, how does it affect their credit? Does the amount of the loan get included in their debt-to-income ratio?

- CHA

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Dear Experian,

We have looked at a foreclosure property and have submitted an offer. Our mortgage credit score was 820. The problem is that the bank is handling the foreclosure sale as an auction, so I have no idea where we stand since there are several bidders. If we don’t get this property then we will need to have our credit checked later by another bank. How will these two checks affect my credit score?

- WKI

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Dear Experian,

If I have my file frozen with all three national credit reporting companies can I still have credit monitored? I do have a couple of monitoring services, but I’m not so sure they are working. I want both if possible, frozen and monitored. Is this possible?

- DYN

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Dear Experian,

You have recently responded to a question for those that short-sell their homes without being late on their mortgage payments. Under the same line, what effect does it have doing a short-sale for those people that plan to set up a business in the future?

- OGC

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Dear Experian,

My Experian credit report has some accounts that have “Status: Paid, Closed/Never Late” with “Status Details: this account is scheduled to continue on record until” with a date. Is this a good thing on my report, a bad thing, something I want to get taken off?

- RYE

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Dear Experian,

If I have taken care of tax liens, will they always be on my report, and if they are does it do any good to try and get them removed.

- ATJ

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Dear Experian,

I am trying to buy a house, and my credit score just needs to go up by one point. The only credit I have is a credit card with a $900 balance and $1,500 limit. If I pay it down to $500 would this raise my score?

- NDR

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Dear Experian,

We filed chapter 7, and it was discharged on Jan. 31, 2002. Because we were under the old law, the bankruptcy should be off our credit, right?

- EPE

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Dear Experian,

Does a Chap 7 bankruptcy drop off the report 10 years after filing date or the discharge date?

- DGM

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Dear Experian,

Who gave permission to collect information at consumer reporting companies, and when did it start?

- SPL

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Dear Experian,

I am thinking about cancelling a few credit cards that have a zero balance that I don’t use but have a great payment history with. How will this decision on my part affect my credit scores?

- ABF

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Dear Experian,

I’m asking my bank to do a loan modification on my mortgage. They said that I need to be 30 days late on my payment in order to do the modification. Is this going to damage my credit?

- RBL

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Dear Experian,

I am thinking about cosigning an apartment lease for my girlfriend. I would not live there. I know that if she makes a late payment or doesn’t pay that I will be responsible for the lease payments and that it will show on my credit report. But, will the simple fact that I am a cosigner show up on my credit report if I want to apply for a loan or mortgage for myself? Assuming she pays as agreed will cosigning affect my credit score?

- LYB

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Dear Experian,

I am a graduate student with no income. I have a car payment that hasn’t been paid in two months, and now they want to repossess it. I am doing all I can to get the money but am considering letting them take it. I have no help at all. What should I do? How long does it take a repossession to be removed from a credit report, and how long will it be held against me?

- ANS

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Dear Experian,

I had a credit report and score run. My score is 687. The report said my risk grade is “D” (Non-Prime).What does the risk grade mean? Is “D” good or bad.

- OVE

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