Am I still liable for an account that I disputed and that was deleted from my credit report?
How long does ChexSystems information remain on file? Why does it prevent one from opening a CD, savings account or mutual fund?
Recently we were told my husband’s credit report with Experian was not reporting and that his credit score is not available. We received a message that says “Factor 9002, Risk Score not available due to model exclusion criteria.” What do we need to do to correct this?
I have a “Foreclosure was started” comment on my Experian report. We have made our payments on time for the last 30 months. What should the comment be changed to in order to show that we are no longer in foreclosure and that we are now current? I have seen “Paid Foreclosure.” Would that be accurate?
Do items on my credit report in which I am listed as an “authorized user” contribute to my score?
Is it true that if more than one mortgage lender requests my credit report within 30 days, it will show up as only one hard inquiry on my credit report?
I paid a credit repair specialist $1,800, and seven months later my score has only improved a little. I need help to improve my score. Can you guide me?
My daughter is trying to get her first credit card as a college student. They have denied her based on a credit report from you. How can a student that has never had any credit of any kind have a negative credit report?
Will a period of unemployment hurt my credit scores?
Why was I turned down when I asked to remove my husband’s name from our electric bill and place it in my name instead? The electric company told me to contact Experian to see why there was a “hold.”
I disputed items on my credit report and they were deleted by the other credit reporting companies, but not Experian. The results say it was considered verified. How is it possible that there are different results? I know that these are errors. What steps should be taken?
If a family member were to open college savings accounts in my children’s names, would that appear on a credit report? I’ve had to deal with identity errors with my husband, and I’m concerned that my sister would do this using her address and mess up my kid’s identities.
I don’t have any open credit accounts, so how do I inform Experian of my new home address?
Is there any way I can check my credit score without it hurting my score? How much does it hurt me to order my credit score?
The threat of identity theft this tax season leaves consumers with more to worry about than whether or not a tax return is in the mail. A thief may use sensitive information, such as a Social Security number, to claim a fraudulent tax refund, open fraudulent credit cards or commit other criminal acts. It is especially important to protect the personal financial information found in your tax returns.
I pay my credit cards off in full before the payment is due, yet my report shows a 60 percent utilization ratio. Why is this happening and how can I prevent this besides getting more available credit or not using my cards?
I have a dispute with a security alarm company. They have implied a contract extension on a policy that I did not approve. I have not made a payment on the policy since November 2012 and am concerned that they may eventually turn the balance over to collections, thus negatively affecting my credit, though they have not threatened such action yet.
Is there an arrangement I can make with the credit reporting companies that can prevent harm to my credit in the event that issues with this company escalate? That is, can I prevent them from damaging my credit history by reporting this unpaid balance? Or is my only option to pay them?
I am married for a second time. Can having my maiden name and two married names negatively affect my credit score? My “middle” score is 780 but I am trying to improve to 800 plus.
I am a cosigner and the secondary user on a credit card. I am not the primary user. I want my name removed from the account. I called the credit card company, and they will not remove me. Is there a way to remove my name? The primary user tried also, and they still won’t do it.
I am considering signing up with a debt settlement company. They told me that in order for them to negotiate the best deal with my creditors I must refrain from paying my bills for more than 90 days. Won’t this negatively affect my scores?
I have been married for many years and have always had credit with my husband. If I ever need to apply for credit on my own, will I be able to get approved based on the good credit I have had with him?
If an account is “charged off” and sold to collection agency, how can both accounts be used against you? My credit report shows two negative accounts. I owed $1,900, but now one account shows the original amount owed and a separate account shows $2,300 owed to a collection agency. Will both accounts stay on my report for seven years? The original account was four years ago, but the collection is only three months old.
Dear Readers, Everyone would like to make a love connection on Valentine’s Day, and online dating sites can be a great way to meet someone. Unfortunately, online dating services and social communities are prime targets for identity thieves who know how to prey upon the vulnerabilities of those seeking relationships. The Federal Bureau of […]