Report Advice

How long public records stay on your credit report

Posted on May 16 2007 by

Dear Experian,

How long do public records – tax liens specifically – stay on your credit report? One source I checked says seven years after the date of filing but another source says seven years from the date paid.

- EDP

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Broken apartment lease contract can affect your credit report

Posted on Apr 18 2007 by

Dear Experian,

I recently asked my landlord to end my lease early. Her response was, “You must pay your lease, and as you contracted. Or, you can suffer severe credit damage.”

Is this true? Can she make a report to Experian and the other credit bureaus that will post to my credit history?

- EPH

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Why there are three credit reporting companies

Posted on Apr 19 2006 by

Dear Experian,

Why are there three credit reporting companies? Why can’t there be just one? They all, apparently, do the exact same thing. So, what’s the rationale for having three?

- OJO

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A dispute results in an account being “updated” and “closed”

Posted on Apr 05 2006 by

Dear Experian,

I disputed an account on my credit report. It came back “updated,” and on the status shows “closed.” Then it states, “account closed by grantor’s request.” Does this mean it is closed and I don’t have to pay that account, or does it mean something else?

- BXK

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Paying collection accounts in full can help, but might not improve credit scores

Posted on Mar 22 2006 by

Dear Experian,

In the long run, will my credit be more positively affected if I pay off collection agency debt in full as opposed to accepting and paying a settlement amount?

- ATO

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Marriage doesn’t merge your new spouse’s bad credit with your good history

Posted on Mar 22 2006 by

Dear Experian,

Is it true that when you get married you automatically inherit your spouse’s bad debt or bad credit and does it show on your credit report? I have a close friend that said that is exactly what happened to him. I seriously doubt him, but just the same I need to know the truth. I will be marrying soon and was wondering if I should be concerned due to my future spouse’s “bad debt.”

- ITO

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