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

You can “fix” your credit report without help

Posted on Aug 23 2013 by

Dear Experian,

This is the first time in a long time that I am daring to try to fix my credit report. Can I fix it myself, or do I need assistance from somebody else?

– PAE

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Being removed from an account after cosigning

Posted on Aug 23 2013 by

Dear Experian,

I am a cosigner and the secondary user on a credit card. I am not the primary user. I want to get my name off of the credit card. I called the credit card company, and they will not remove me. Is there a way to remove my name? The primary user tried also, and they still won’t do it.

– WKN

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When an ex-spouse attempts to get your credit report

Posted on Aug 23 2013 by

Dear Experian,

I was divorced a little over a year ago. My former spouse knows all of my identifying information. Could he get a copy of my credit report?

– IEB

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Why an original account and collection account both appear on your credit report for the same debt

Posted on Aug 23 2013 by

Dear Experian,

How can an item be on your credit twice, once under the original credit grantor and then under a collection agency? How does this affect the deletion date?

– NTK

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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

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Inquiry for employment will not affect credit scores

Posted on Aug 20 2013 by

Dear Experian,

I have been applying for work at employment agencies. They want my permission to conduct a credit check. My concern is that I was told in the past that if too many people are doing credit checks on me, it signifies a problem and can reduce my credit scores. Is that true?

– CIC

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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 Feb 04 2016 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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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.