Report Advice

How long before information is completely removed from your credit report

Posted on Jan 20 2010 by

Dear Experian,

How long does it take to have something completely taken off your credit report and boost your credit once paid off?

- ADA

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Disputing information you believe is inaccurate is a free service

Posted on Jan 20 2010 by

Dear Experian,

Why do I have to pay to file a dispute?

- DEH

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New married name will be added automatically to your credit report

Posted on Jan 20 2010 by

Dear Experian,

I married recently, but my credit report is still in my former name. How do I have this information changed and my new name put on my report?

- YDS

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Late rental payments are not typically reported by landlords

Posted on Jan 20 2010 by

Dear Experian,

Can a landlord report late or no rental payments to the credit bureaus? If so, how?

- TJR

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Collecting debts after they are deleted from the credit report

Posted on Jan 06 2010 by

Dear Experian,

After seven years, if a payment has not been made on a student loan can the creditor or collection agent still try to collect payment on the loan?

- QUA

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Prisoners can get a free credit report

Posted on Jan 06 2010 by

Dear Experian,

I am the community outreach director for a credit counseling agency. During a presentation at a federal prison, the inmates had questions about how to obtain their free credit report from annualcreditreport.com. They are not always successful. Is there a way for them to be successful in obtaining their credit report?

- IMB

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Potential consequences of cosigning an apartment lease

Posted on Jan 06 2010 by

Dear Experian,

Is there any affect on your credit report and getting a loan in the future if you are a cosigner for an apartment?

- ICL

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Defining charged off, written off and transferred

Posted on Dec 23 2009 by

Dear Experian,

What are the definitions of charged off, written off and transferred?

- CPL

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Girlfriend stuck with motorcycle debt when boyfriend ends relationship

Posted on Dec 23 2009 by

Dear Experian,

My daughter was talked into purchasing a motorcycle for a friend of hers and now he doesn’t want it and is thinking of dumping my daughter. If she voluntarily returns the motorcycle to the dealer, will her credit be ruined, and if so, for how long? If she is not able to pay a deficiency, will a judgment against her affect her credit?

- GBH

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Credit scores aren’t affected by who closed the account

Posted on Dec 23 2009 by

Dear Experian,

What looks better on my credit report, closing a credit card account myself or the credit card company closing my account?

- EAU

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Being a cosigner can help build your credit

Posted on Dec 10 2009 by

Dear Experian,

I currently have no credit. Not bad credit, no credit. I am interested in purchasing a new vehicle and a family member has offered to cosign. However, we’ve been offered zero percent interest because of her excellent credit but only if she’s the primary and I cosign. If we do this and I am the one who makes the payments monthly, will me being the cosigner give a positive effect and establish my credit?

- SSL

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Separating your credit after divorce

Posted on Dec 10 2009 by

Dear Experian,

My husband I have had a joint credit report for the last 10 years. Our credit is in good standing, by the way. Now that we are divorcing, what steps do we need to follow to establish our own individual credit reports? Will our positive credit history follow us to our newly established individual reports, or does one person retain the good history and the other start new?

- MEL

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Steps you can take at home to prevent ID Theft

Posted on Dec 10 2009 by

Dear Experian,

What is the best way to prevent identity theft at home?

- OBE

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Prepaid credit cards not reported to credit reporting companies

Posted on Nov 25 2009 by

Dear Experian,

What prepaid credit cards report to Experian?

- FRE

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Credit scores calculated each time your report is requested

Posted on Nov 25 2009 by

Dear Experian,

I’m planning to buy a house soon, and I just paid off a fair amount of debt and I hope it changes my score. What I was wondering is how often do the credit bureaus reevaluate your credit and change your credit score? Is it monthly, quarterly or less? And if they only do it a few times a year can you request to have your credit rescored so it shows up when my credit is ran two weeks from now?

- NPU

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Explaining account status descriptions, including “transferred, closed”

Posted on Nov 11 2009 by

Dear Experian,

What does “transferred, closed” mean on an account?

- GER

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Ordering your own report doesn’t hurt credit scores

Posted on Nov 11 2009 by

Dear Experian,

If I order a credit report and score for myself, does it count against my credit history?

- SKA

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“Potentially negative” items listed on credit report

Posted on Nov 11 2009 by

Dear Experian,

How can I get my credit score up? It seems to keep going down, and I have paid almost everything off. Also, if an account is paid in full, why is it considered potentially negative on my report? Can I remove it?

- EIG

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Working together to improve our children’s financial literacy

Posted on Nov 11 2009 by

Dear Experian,

How can you get your kids to understand credit?

- EHA

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The difference between credit counseling and debt settlement

Posted on Oct 28 2009 by

Dear Experian,

What is difference between credit counseling and debt settlement?

- CKB

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Requesting your credit report after your application is denied

Posted on Oct 28 2009 by

Dear Experian,

How do I get my credit report when it has adversely affected a loan?

- CBR

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Helping child in college establish credit

Posted on Oct 14 2009 by

Dear Experian,

My college freshman daughter applied for a credit card, was declined, and then applied for a secured card and was also declined. How can I help her build credit? She obviously has no history, but I am concerned that the two denials are going to hurt her score. I am at a loss on how she can build her own credit.

- UAR

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Satisfaction of judgment will not cause the public record to be deleted

Posted on Oct 14 2009 by

Dear Experian,

I have two public records that appear on my credit report that I have paid off. Would submitting a satisfaction of judgment to the credit bureaus take those off of my record?

- JKI

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Responsibility for a cosigned loan when the engagement is called off

Posted on Oct 14 2009 by

Dear Experian,

If I cosigned on student loans for someone I was previously engaged to, but the relationship did not work out, am I still jointly responsible for those loans?

- SDE

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Reestablishing credit when your spouse dies

Posted on Oct 14 2009 by

Dear Experian,

I don’t have any credit. I never had to buy anything. I was married at a very young age and my husband did all the buying. What do I do now?

- NEK

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