Life Events
Information to help ensure success as you experience important life events.

Impact of selling house and renting on credit scores

Posted on Aug 20 2013 by

Dear Experian,

We purchased a house four years ago and sold it recently for more than we mortgaged originally. We are now renting. Does this help or hurt our credit?

– TKL

Read more

Marrying a man who declared bankruptcy

Posted on Aug 20 2013 by

Dear Experian,

I would like to get married to a man who filed for bankruptcy. I have great credit, and he has a new slate. Will it wreck my credit even if we keep our finances separate?

– REM

Read more

What happens to your credit file when you die

Posted on Aug 16 2013 by

Dear Experian,

What happens to your credit file when you die? Does the file get closed right away, or does it stay open for a period of time?

– THB

Read more

U.S. credit history will not transfer to Canada

Posted on Aug 14 2013 by

Dear Experian,

I am a citizen of both the U.S. and Canada. I currently reside in the U.S., but I plan to move with my family back to Canada. Will my United States credit history transfer to Canada? Are there credit card companies that offer accounts that will transfer from the U.S. to Canada?

– JST

Read more

How to notify Experian that an individual has died

Posted on Aug 14 2013 by

Dear Experian,

Where can I fax a death certificate so the individual’s report can be flagged appropriately?

– TBW

Read more

How ex-husband’s address appears on your credit report

Posted on Aug 14 2013 by

Dear Experian,

After viewing my credit report, I saw that two addresses are addresses where I have never lived. They are addresses of my ex-husband. How do they get on my report?

– TTO

Read more

Unemployment claims do not affect your credit report

Posted on Aug 13 2013 by

Dear Experian,

My colleagues and I had a debate over these questions: Will filing an unemployment claim be reported on credit file? If so, will it affect future credit consideration? Can you help us settle our debate?

– YAW

Read more

How divorce can impact your credit scores

Posted on Aug 13 2013 by

Dear Experian,

I read that divorce does not impact your credit scores, but I’ve heard from people who are divorced that said it damaged their credit. If it doesn’t impact your scores, how does it damage your credit?

– BEL

Read more

Divorce decree does not remove joint accounts from your credit history

Posted on Jul 31 2013 by

Dear Experian,

I am legally divorced. My ex-husband re-married. We had a joint mortgage account. I have a divorce decree stating I am not liable for this account anymore, but this account is on my credit report. What do I do to get this account out of my credit report?

– JLH

Read more

Student loan will appear on cosigner’s credit report as well as the student’s

Posted on Jul 31 2013 by

Dear Experian,

If I cosigned for a student loan, will the loan balance show on my credit report, or it will only show on the student’s credit report?

– CSY

Read more

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.