Report Advice
What you need to know about this crucial financial document

The impact of foreclosure on your credit report

Posted on Aug 20 2013 by

Dear Experian,

With all the real estate and mortgage problems today I am sure this question has come up before. But, for some reason I can’t find any information on any of the credit bureaus websites. How do the credit bureaus look at a foreclosure on a person’s credit report? Is it as bad as a bankruptcy? How many years does it take for it to go off the credit report?

– LLE

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One inquiry can be “too many”

Posted on Aug 20 2013 by

Dear Experian,

I am confused as to why I have only one inquiry on my report but all three bureaus say “too many inquiries last 12 months.” Is this affecting my score very much? Even if it is not, why are they using that as part of their scoring system for me?

– MOR

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Separating credit reports of father and son

Posted on Aug 17 2013 by

Dear Experian,

How do you go about repairing credit when it has been commingled with your son? Both father and son have the same name.

– ILB

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Credit scores and your home equity line of credit

Posted on Aug 17 2013 by

Dear Experian,

Will using up your entire home equity credit line count negatively on your credit report and score even if you are never late on your payments?

– GGI

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Tax liens and credit scores

Posted on Aug 17 2013 by

Dear Experian,

I have a tax lien on my credit report. I know it isn’t mine. It belongs to a relative that was living with me. I am having it removed as we speak. I was wondering about how many points does this affect my credit score on average?

– MWA

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How to find out who has looked at your credit report and why

Posted on Aug 16 2013 by

Dear Experian,

I got a call from Sallie Mae telling me someone had pulled my credit report. How do I find out who that was and why?

– TDO

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FCRA restricts who can get your credit report

Posted on Aug 16 2013 by

Dear Experian,

Who can access my credit report? Do they have to have my permission? Is there anything you can do to prevent someone from accessing my credit report?

– NNH

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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

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Why it is important to establish credit when you are young

Posted on Aug 16 2013 by

Dear Experian,

Why is it important to establish credit while you’re young? If I don’t establish any credit will it affect my future and why?

– OZY

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The effect on credit scores when you check your own credit report

Posted on Aug 16 2013 by

Dear Experian,

How often can I check my own credit without getting dinged for it? I do not want to affect my credit scores by over-checking.

– NDQ

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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.