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

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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Time limits for collection agencies to collect a debt

Posted on Aug 16 2013 by

Dear Experian,

What is the time frame that collections agencies can go after their money?

– TRA

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Balance-to-limit ratio applies only to revolving accounts

Posted on Aug 16 2013 by

Dear Experian,

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?

– NDR

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The meaning of “too few accounts paid as agreed”

Posted on Aug 16 2013 by

Dear Experian,

My credit score came back with a statement saying, “too few accounts paid as agreed.” I was wondering what that means since I have never paid an account or bill late.

– CHW

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How long it takes for scores to go up depends on your overall credit history

Posted on Aug 16 2013 by

Dear Experian,

How long after negative information is removed will it take for your credit score to go back up? When viewing your credit report, can a business see if you have been denied credit?

– FSU

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How disputed information is updated with other credit reporting agencies

Posted on Aug 16 2013 by

Dear Experian,

If one credit agency deletes a record because my dispute was favorable; how does that get reported to the other agencies, or does it? Do I send a copy of the result of investigation to the others so they can remove the unfavorable item?

– KVI

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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.