Just because an account no longer appears in your credit report does not mean you no longer are responsible for paying it.
ChexSystems is a type of consumer reporting agency called a debit bureau.
Dear Experian,
I had excellent credit before we were advised by our lawyer to not pay our mortgage so we could qualify for short sale of our home. One year later, our home is now sold. How can we go about fixing our credit now? All of our other credit history is excellent.
- DNM
Dear Experian,
I just had to destroy my debit card because someone overseas charged over $1,200 on my card. What steps do I need to take to ensure they do not attempt to use my information in the future?
- AJG
Dear Experian,
How can you fix something on your report you accidentally disputed but didn’t mean to?
- QFT
Dear Experian,
How long can a collection agency attempt to collect a debt? Is there a time limit or statute?
- CLI
Dear Experian,
If I remove my son as an authorized user on my credit card account will the previous activity still be listed on his credit report?
- TLE
Dear Experian,
How long do non-sufficient funds checks (NSF’s) stay on your credit report?
- LLS
Dear Experian,
How do I find out who is checking my credit report? I have not applied for any recent credit, and a credit monitoring service has reported an Experian credit check.
- MWM
Dear Experian,
What does it mean when Account Type/Status says “Charge Off”? Does this mean I no longer owe this amount?
- ERS
Dear Experian,
I’ve been making regular car payments to my mother for a loan in her name. How can she report these payments to help my credit?
- ZAB
Dear Experian,
I disputed items on my credit report to Experian, and they were deleted. Will the items be deleted from my reports with the other two agencies as well?
- JSU
Dear Experian,
I’m pretty much sick of credit cards, and I’m paying off all my accounts. My wife agrees with me but opens new ones whenever she feels like it. Is there a way to keep her from doing that?
- NLI
Dear Experian,
Does opting out of preapproved mail offers raise my credit score?
- RTU
Dear Experian,
I have been living debt free for over 10 years. I had credit at one time and have never had any problems with late or missed payments. I have always had a good job. It seems that my name and existence has been deleted from the credit reporting system. Is there a way for me to at least put the fact that I exist back into the system before making an application for credit?
- CRZ
Dear Experian,
Do you have to request information be removed when it is time to be deleted, or will it just to fall off?
- MCC
Dear Experian,
If I have thawed my credit, how long before I can apply for credit and it will be accessible?
- SME
Dear Experian,
Will it affect my credit score if get I get a mortgage pre-approval letter from more than one bank? If it does how much would it affect my score? Also, will it affect my score, if I check my credit score with you guys?
- UYI
Dear Experian,
I admit I was late on one mortgage payment in 30 years, and my credit dropped 52 points. Is that normal for the credit industry, and am I stuck with that for seven years on my credit? Is a dispute allowed on this or not?
- PWR
Dear Experian,
If I am trying to raise my credit score, it is better to pay off one credit card entirely or pay down the balance of two cards without paying off either one?
- ECH
Dear Experian,
Will the closed account ever be removed from my credit report?
- OWE
