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?
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?
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?
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.
What is the time frame that collections agencies can go after their money?
Does the balance-to-limit ratio only apply to credit cards, or does it apply to installment loans, such as student loans or auto loans, as well?
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.