Tax liens in your credit report

Posted on Nov 07 2012 by

Dear Experian,

How long do public tax liens stay on your report after they have been released?

- SVB

Read more

The difference between Chapter 13 bankruptcy and Chapter 7 bankruptcy

Posted on Nov 07 2012 by

Dear Experian,

What is the main difference between a Chapter 13 bankruptcy and a Chapter 7 bankruptcy? Also, how do the two types affect your credit rating differently?

- SRD

Read more

Inquiries can be removed only if fraudulent

Posted on Nov 07 2012 by

Dear Experian,

Can inquiries be removed from your credit report?

-VNT

Read more

National Protect Your Identity Week is Oct. 20-27

Posted on Oct 24 2012 by

National Protect Your Identity Week is Oct. 20-27. Here are a few tips to help you protect your identity.

Read more

How to add a security freeze to your credit file

Posted on Oct 24 2012 by

Dear Experian,

How can I get a credit freeze on my report?

-FSG

Read more

Removing an incorrect address in your credit report

Posted on Oct 24 2012 by

Dear Experian,

You have me listed at an address I have never lived at. How is this removed?

-DNW

Read more

Cosigning a loan could affect your ability to get credit in the future

Posted on Oct 24 2012 by

Dear Experian,

Will cosigning a student loan hurt my chances of receiving a car loan in the future?

-SWK

Read more

Credit scores not impacted by employer listing or income

Posted on Oct 24 2012 by

Dear Experian,

It appears all three credit reporting agencies had listed my employer incorrectly. What impact does my correct employment and earnings have on my credit rating?

-RCH

Read more

Moving from Canada to the U.S.

Posted on Oct 10 2012 by

Dear Experian,

I moved to the U.S. in January 2012 from Canada. I obtained a Social Security number and got a secured credit card, and I was lucky enough to get a car loan. I have been paying both accounts on time every time. This all occurred in February and March and still I have no credit report. When can I expect to have a credit report? I tried today, and Experian is still not showing any information for me.

-BMR

Read more

Paying off closed or charged off accounts

Posted on Oct 10 2012 by

Dear Experian,

Does paying off a closed or charged off account raise your credit scores?

-TYC

Read more

Lifting a credit freeze to apply for credit

Posted on Oct 10 2012 by

Dear Experian,

I do not want to lift my security freeze but want to apply for a new credit card. Is that possible to do without lifting the freeze?

-HPD

Read more

Lowering credit limits can hurt credit scores

Posted on Oct 10 2012 by

Dear Experian,

I have heard that requesting lower credit limits can hurt your credit scores. Is this true?

-MMB

Read more

Removing ex-spouse’s name from your credit report

Posted on Sep 26 2012 by

Dear Experian,

I just got my credit report, and I see my ex-husband listed as my husband. We are already divorced. What can I do in this case? I have never paid any bill late, and my credit score is low. I want to make sure his credit is not affecting me.

- MTR

Read more

Application declined because credit score can’t be calculated

Posted on Sep 26 2012 by

Dear Experian,

I am trying to get a loan and am being denied because your company won’t list a score on me. Why?

- LRT

Read more

Collection account added after declining settlement offer

Posted on Sep 26 2012 by

Dear Experian,

A debt collector contacted me about a debt that isn’t on my credit report. If I don’t pay him the settlement offer he proposed, can he then add the account to my report?

- RBL

Read more

New spouse’s old debt won’t hurt your credit scores

Posted on Sep 26 2012 by

Dear Experian,

If I have a very good credit score and I marry someone with a bad credit score and previous debt, does that affect my credit score?

- DTR

Read more

Eviction is not shown on a credit report

Posted on Sep 12 2012 by

Dear Experian,

How long does it take for an eviction to show up on your credit report?

- PHF

Read more

Executor of an estate can obtain the deceased’s credit report

Posted on Sep 12 2012 by

Dear Experian,

I am the personal representative for my brother’s estate. I’m trying to identify his active credit accounts so that I can compile a list of creditors for the estate. Is it possible for the estate executor to order a credit report for the deceased?

- NJN

Read more

Individuals cannot report their own accounts

Posted on Sep 12 2012 by

Dear Experian,

How do I submit payment history for an account not listed on my credit report, therefore, adding a new account?

- CRT

Read more

Impact of having a repossession reinstated

Posted on Sep 12 2012 by

Dear Experian,

If you have a repossession and then a reinstatement, does the reinstatement help your credit scores?

- CBN

Read more

Declined because “the amount of revolving balances is too high”

Posted on Aug 29 2012 by

Dear Experian,

I would like to clean up my credit, but want to know if it is beneficial to close revolving credit accounts that I am not using or will never use again or if I should leave them open. I have never missed a payment on multiple accounts and usually pay more than the minimum payment due. However, I was recently denied increases in limits as well as declined for new accounts. The reason given was “the amount of revolving balances on credit report is too high.”

- HST

Read more

Recent college graduate may not have a credit report

Posted on Aug 29 2012 by

Dear Experian,

What should I do if I cannot be found in your system? I am trying to obtain a credit report since I have just graduated college and would like to start building credit.

- AGB

Read more

Medical collection accounts can be part of a credit report

Posted on Aug 29 2012 by

Dear Experian,

On my credit report there are two collection items. One says Medical Payment Data. The other just says Emergency Physician. I need their contact information, such as address and phone, so I can get in touch with them. Can you please help?

- NYW

Read more

The meaning of “derogatory public record”

Posted on Aug 29 2012 by

Dear Experian,

My credit score states “time since derogatory public record or collection is too short.” What is a “derogatory public record”?

- JTR

Read more

Discharged bankruptcy will still affect credit scores

Posted on Aug 15 2012 by

Dear Experian,

Once a Chapter 7 bankruptcy is discharged, will it still affect my credit score?

- ADZ

Read more

  • ©2014 Experian Information Solutions, Inc. All rights reserved.