Dear Experian,

Why is my old creditor pulling my credit report? I had a car that I could not afford after being laid off. I ended up giving the car back and my account was charged off. I have no open accounts with them, so why are they pulling my credit report one year later?

- CLU

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Dear Experian,

There are four accounts missing on my report, and the one account listed has the wrong creditor’s name on the account. What can I do to correct this?

-TMM

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Dear Experian,

If I have a two year contract with a cell phone company, and if I pay my cell phone bill on time in full every month until the contract is up, does that build my credit score?

- CMR

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Dear Experian,

My student loans were consolidated into a new loan. My old student loans now state “closed/paid collection” and, “Claim filed with government for insured portion of balance on loan.” Does this negatively impact my credit scores? I see “potential negative account” on all of the old loans. Can I get these old student loans removed to improve my credit scores?

- JNN

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Dear Experian,

I recently consolidated my student loans with one vendor, but all my other accounts still appear on my credit report. It says it has been transferred, but I would like to know if I can remove those accounts from my report since they are counting as open installment loans.

-SCB

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Dear Experian,

How long do public tax liens stay on your report after they have been released?

- SVB

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Dear Experian,

What is the main difference between a Chapter 13 bankruptcy and a Chapter 7 bankruptcy? Also, how do the two types affect your credit rating differently?

- SRD

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Dear Experian,

Can inquiries be removed from your credit report?

-VNT

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Dear Experian,

You have me listed at an address I have never lived at. How is this removed?

-DNW

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Dear Experian,

Will cosigning a student loan hurt my chances of receiving a car loan in the future?

-SWK

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Dear Experian,

I moved to the U.S. in January 2012 from Canada. I obtained a Social Security number and got a secured credit card, and I was lucky enough to get a car loan. I have been paying both accounts on time every time. This all occurred in February and March and still I have no credit report. When can I expect to have a credit report? I tried today, and Experian is still not showing any information for me.

-BMR

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Dear Experian,

I am trying to get a loan and am being denied because your company won’t list a score on me. Why?

- LRT

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Dear Experian,

A debt collector contacted me about a debt that isn’t on my credit report. If I don’t pay him the settlement offer he proposed, can he then add the account to my report?

- RBL

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Dear Experian,

How long does it take for an eviction to show up on your credit report?

- PHF

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Dear Experian,

I am the personal representative for my brother’s estate. I’m trying to identify his active credit accounts so that I can compile a list of creditors for the estate. Is it possible for the estate executor to order a credit report for the deceased?

- NJN

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Dear Experian,

How do I submit payment history for an account not listed on my credit report, therefore, adding a new account?

- CRT

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Dear Experian,

If you have a repossession and then a reinstatement, does the reinstatement help your credit scores?

- CBN

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Dear Experian,

I would like to clean up my credit, but want to know if it is beneficial to close revolving credit accounts that I am not using or will never use again or if I should leave them open. I have never missed a payment on multiple accounts and usually pay more than the minimum payment due. However, I was recently denied increases in limits as well as declined for new accounts. The reason given was “the amount of revolving balances on credit report is too high.”

- HST

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Dear Experian,

What should I do if I cannot be found in your system? I am trying to obtain a credit report since I have just graduated college and would like to start building credit.

- AGB

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Dear Experian,

On my credit report there are two collection items. One says Medical Payment Data. The other just says Emergency Physician. I need their contact information, such as address and phone, so I can get in touch with them. Can you please help?

- NYW

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Dear Experian,

My credit score states “time since derogatory public record or collection is too short.” What is a “derogatory public record”?

- JTR

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Dear Experian,

Once a Chapter 7 bankruptcy is discharged, will it still affect my credit score?

- ADZ

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Dear Experian,

Which has a more negative effect on my credit score, “Account Paid In Full For Less Than the Full Balance” or “Foreclosure”?

- ZPT

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Dear Experian,

All my credit cards are paid in full and closed but still showing revolving on my credit history. I want to clean up my credit history. What steps do I need to follow?

- SHS

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Account reported for first time shows it is 90 days late

Dear Experian,

In what instance does a credit profile reflect a 90 day late when it never reflected a 30 or 60 day late? Is it possible to just be 90 days delinquent without first being 30 or 60?

- ADC

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