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

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

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How to find out who is checking your credit report

Posted on Aug 20 2013 by

Dear Experian,

How do I know who is checking my credit reports? Can anyone check my credit? Do you keep a list of these people? I think my neighbor knows everything about my finances. How is that possible?

– HEP

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Social Security number, birth date not enough to access your credit report

Posted on Aug 20 2013 by

Dear Experian,

If someone has your Social Security number and your date of birth, can they access your credit report online? How can you tell when your credit report was last checked, and by whom? I think that someone checked my credit report, and it was not me.

– ARR

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Vehicle repossession can prevent approval for a mortgage loan

Posted on Aug 20 2013 by

Dear Experian,

Can a vehicle repossession affect your credit bad enough to prevent you from being able to purchase a new home?

– SHA

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Day late payment probably won’t show on credit report

Posted on Aug 20 2013 by

Dear Experian,

I mailed one payment late because I forgot about it, and when I remembered it was one day late. How bad will that look?

– XOB

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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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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.