Dear Experian,

I was looking at my credit report and it stated, “You do not have a mortgage account in good standing.” What does this mean? I do not own a house.

- JKL

Read more ››

No comments

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

Read more ››

No comments

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

Read more ››

No comments

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

Read more ››

No comments

Dear Experian,

I just got my credit report, and I see my ex-husband listed as my husband. We are already divorced. What can I do in this case? I have never paid any bill late, and my credit score is low. I want to make sure his credit is not affecting me.

- MTR

Read more ››

No comments

Dear Experian,

If I have a very good credit score and I marry someone with a bad credit score and previous debt, does that affect my credit score?

- DTR

Read more ››

No comments

Dear Experian,

How do we notify you of the death of a relative, and how do we obtain a credit report for this relative so we can file probate papers?

- DHR

Read more ››

No comments

Dear Experian,

My fiancé is divorced and lost his house to foreclosure. He has a bad credit history including bankruptcy. When we marry what are the pros and cons of my taking his name? My credit is pretty good – good enough to buy a $132,000 home two years ago. I’ve heard that marrying and taking their name is a huge mistake if there are credit problems. Can you advise, please?

- PFI

Read more ››

No comments

Dear Readers,

According to research by the Personal Finance Employee Education Foundation (PFEEF), as many as 80 percent of employees spend work time dealing with financial issues, costing companies as much as 20 hours a month in lost productivity.

Read more ››

No comments

Dear Experian,

I have been divorced over one year. My ex-spouse was awarded the house and all bills that she has with that house. I want that off my credit report. What has to be done to correct this problem?

- PRE

Read more ››

No comments

Dear Experian,

I’m going to be married soon. Will my credit be mixed with my husband’s? What should we do to make sure we keep our good credit after the wedding?

- MHO

Read more ››

No comments

Dear Experian,

I have been rebuilding my credit and would like to purchase a motorcycle and an engagement ring. If I apply for credit and get denied will my credit score go down and how long will the two remain on my credit report?

- ENB

Read more ››

No comments

Dear Experian,

I am planning to move to Canada. Can I use my credit history from the U.S. to rent an apartment in Canada?

- ALV

Read more ››

No comments

Dear Experian,

My ex-husband took over a credit card with my name on it in the divorce, and it was also stated as such in our divorce decree. He has quit paying it, and it has been charged off. How can I get that off of my reports as I no longer was responsible for it after the divorce, which took place in August of 2009?

- EHI

Read more ››

No comments

Dear Experian,

My wife had no credit history before we were married. I set her up as authorized user for a couple of my frequently used credit cards. Does this help her build up her credit history?

- HNA

Read more ››

No comments

Dear Experian,

If I get credit monitoring for myself for all three credit bureaus, how is that impacted if I am married?

- YSK

Read more ››

No comments

Dear Experian,

I just recently married, and I am taking my wife’s last name. Is there a form I need to keep my current credit?

- NDY

Read more ››

No comments

Dear Experian,

When lenders see bankruptcy on your credit report does it turn them away from lending to you? What is the best way for me to rebuild my credit? I have started by getting two credit cards and have never been late with a payment, but what else can I do? I would like to purchase a house soon, but I’m afraid to try.

- SPE

Read more ››

No comments

Dear Experian,

I married recently, but my credit report is still in my former name. How do I have this information changed and my new name put on my report?

- YDS

Read more ››

No comments

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

Read more ››

No comments

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

Read more ››

No comments

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

Read more ››

No comments

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

Read more ››

No comments

Dear Experian,

My husband died on July 10, 2009. I am closing out nearly all the credit cards he had. How will that affect my credit score?

- PRE

Read more ››

Comments Off

Dear Experian,

When a spouse dies what happens to their credit information? Can it be purged or removed with a copy of the death certificate?

- MRB

Read more ››

Comments Off