I have been living debt free for over 10 years. I had credit at one time and have never had any problems with late or missed payments. I have always had a good job. It seems that my name and existence has been deleted from the credit reporting system. Is there a way for me to at least put the fact that I exist back into the system before making an application for credit?
Do you have to request information be removed when it is time to be deleted, or will it just to fall off?
Will it affect my credit score if get I get a mortgage pre-approval letter from more than one bank? If it does how much would it affect my score? Also, will it affect my score, if I check my credit score with you guys?
I admit I was late on one mortgage payment in 30 years, and my credit dropped 52 points. Is that normal for the credit industry, and am I stuck with that for seven years on my credit? Is a dispute allowed on this or not?
If I am trying to raise my credit score, it is better to pay off one credit card entirely or pay down the balance of two cards without paying off either one?
Too many versions of my name come up on my credit report. How do I delete the wrong ones?
April is Financial Literacy Month. Experian believes that knowledge is the key to unlocking financial success and is proud to be an active supporter of many financial literacy programs across the country.
Can I go back to 1992 or 1993 to get some information that was in my credit reports at that time?
My credit report shows delinquencies on very old accounts from when I was laid off and unemployed for 18 months. All repayments were arranged between myself and the lender and repaid as agreed. How long before these come off my credit report? Is it from the date closed or opened?
I came into a lump sum of money and want to pay off my credit cards. I was thinking about negotiating down the two higher balances until I heard that it can actually hurt your credit score. Is that correct? Should I just pay the full amount rather than negotiating a lower amount to pay?
I have a business credit card that I am the only one who uses and pays. Does this business card help my personal credit score if I keep it in good standing? Right now it does not show up on my personal credit report. How can I make it happen?
I have just paid off all of my bad debt, but I only have one good standing loan, and that was back in 2005. What would be the best way to improve my credit? I heard getting a pre-paid visa would work, is that true?
How do you get rid of too many credit cards even if you haven’t used them for years? Also, some credit card companies are charging fees. How do we cancel those cards without hurting credit scores?
How can I get the wording “account in dispute” removed from my credit report?
Can a creditor remove a debt after seven years and then sell the debt and place it back on your credit report?
When lenders see bankruptcy on your credit report does it turn them away from lending to you? What is the best way for me to rebuild my credit? I have started by getting two credit cards and have never been late with a payment, but what else can I do? I would like to purchase a house soon, but I’m afraid to try.
There is a string of inquiries made by credit card companies on my report. I did not authorize these. How can I get the credit card companies to cease and desist? How do we remove these from our report?