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,

It appears all three credit reporting agencies had listed my employer incorrectly. What impact does my correct employment and earnings have on my credit rating?

-RCH

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Dear Experian,

I do not want to lift my security freeze but want to apply for a new credit card. Is that possible to do without lifting the freeze?

-HPD

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Dear Experian,

I have heard that requesting lower credit limits can hurt your credit scores. Is this true?

-MMB

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Dear Experian,

Once an item is removed from the report after having been reported for 7-10 years, can the creditor still try to collect the debt? Can the account still collect interest?

- LGD

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Dear Experian,

I bought a car from a buy-here-pay-here place and paid off the car in full. Can I add that to my credit report?

- HOL

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Dear Experian,

I am separating from my husband and do not want his creditworthiness joined with me anymore. How do I separate my creditworthiness from his?

- SHU

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Dear Experian,

I am wondering if we should let the three national credit reporting companies know that due to the recession right now we are having difficulty with some of our payments. We have had no work for two years and are really struggling at the moment. My husband is on disability but is still looking for work. Our credit up to this point has been good.

- MJB

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Dear Experian,

I have a good credit score. I decided not to continue on a refinance application due to bad customer service. They sent me a declination letter, stating the refinance was rejected due to my credit. Will this rejection show up on or impact my credit?

- NYS

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Dear Experian,

How could it be that I make $80,000 a year but I can’t get a retail credit card?

- TNI

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Dear Experian,

Identity theft is a growing problem for children. Can I put a security freeze on my three-year-old daughter’s file even though there most likely is no activity? If this is not possible can I call to see if there is activity under her Social Security number?

- MJJ

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Dear Experian,

Why are the accounts that are under a bankruptcy listed individually? Doesn’t the bankruptcy cover that?

- ELZ

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Dear Experian,

I tried to get my credit report from Experian online, and a box popped up saying I could get it by mail, but not online, because of security reasons. Do you know why? Is it because there’s something suspicious on my report? How can I find out?

- TCH

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Dear Experian,

I am trying to get a student loan, but my parent’s refuse to cosign because they fear cosigning for my student loan will affect their credit score, thus lowering their chances of getting a mortgage. This is so important because this will be my final year of college. Is this true?

- YOD

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Dear Experian,

Can you explain one of the factors for my credit score? The listed factor is “Proportion of balances to high credit on bank revolving or all revolving accounts.”

- RNO

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Dear Experian,

If my credit history is good, why would a credit card company not issue me a credit card?

- KRG

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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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