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 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
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
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
Dear Experian,
I just graduated and read somewhere that the higher your education the higher your score. How do I inform Experian to add my bachelor’s degree completion?
- FNS
Dear Experian,
Is it possible not to have a report? I am a resident since 2003!
- NIC
Dear Experian,
I placed security freeze on my account and have misplaced the pin needed to temporary remove freeze. How do I get a replacement PIN?
- EGM
Dear Readers,
We receive so many letters that begin, “How can I…..,” and in most cases the problem is easily solved with one simple step. In almost all cases, the answer is that you need to first get a copy of your credit report directly from the credit reporting company.
Dear Experian,
Does disputing information with Experian cause credit scores to lower?
- MIL
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Dear Experian,
What happens if your credit card goes over your limit? What are the best options in your opinion?
- JNT
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Dear Experian,
Does putting a security freeze on my file prevent me from getting my free annual credit report?
- CPI
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Dear Experian,
How do I get companies to remove negative remarks off my accounts? I also have an account with a zero balance that I paid off, and it’s still on my report.
- ALT
Dear Experian,
My name was on one of my parents’ credit cards for emergencies. My name was taken off the card a couple months ago. When I applied for a credit card I got denied. The reason stated was, “Your total credit obligations, which include outstanding credit lines, are too high to meet our approval guidelines, when compared to your stated income.” What can I do to get it expunged from my record?
- LEN
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Dear Experian,
Is an authorized user responsible for the debt? If an authorized user is removed from the credit card, can the credit card also be removed from the credit report? I also read somewhere that credit bureaus will not take into account authorized users for credit scores. Is that true?
- CHS
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Dear Experian,
I was under the impression that if you sought after a specific type of loan, such as an auto loan, within a 10 day time frame that it would only post on your report once. However, one car dealer hit my credit three different times for the same auto loan application. Why are all three on my report?
- KIR
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Dear Experian,
My son in-law and I purchased a house together in only his and my name. Can I contact the credit bureaus and let them know that only 50 percent of that dollar amount is my responsibility? That way I would have a lower credit ratio.
- RAE
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Dear Experian,
If you are married can you join your scores together to get approved on a house loan?
- BRI
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Dear Experian,
My husband died on July 10, 2009. I am closing out nearly all the credit cards he had. How will that affect my credit score?
- PRE
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Tweet Dear Experian, Is there any way to get information that was on my credit report in August 1994? – HNT Dear HNT, Think about what it would take to produce a report from any day in the past. Experian would have to keep a credit report for every person with a credit history [...]
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Dear Experian,
I have a great credit history here in the United States, but I’m planning on moving to England. Would I need to build my credit history from scratch once I settle in the UK?
- AGA
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Dear Experian,
If I pay off a negative account on my credit report, will it be removed from my credit and raise my score or will it remain on there seven years and not change my score? How does this work?
- TYK
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Dear Experian,
I would love to get an answer on how to increase my credit score other than common sense answers like, “Pay your bill on time.” No duh. I’m past that. I didn’t pay on time, now what? Or, get a credit card. My credit is messed up. I can’t get a credit card. I hope you have some information that can actually be applied, like who to pay first. If it’s already in collection should I even pay it off?
- UPE
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Dear Experian,
I have a tax lien release from the IRS. I was going to send it to all bureaus until I read that the credit bureaus get tax lien information automatically from the courts. Does the IRS usually update the bureaus? If not, how and when do you pick up that information?
- HMS
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Dear Experian,
Will paying off and closing a credit card hurt my credit score?
- IND
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Dear Experian,
If a person cosigns a student loan for a college student, how does it affect their credit? Does the amount of the loan get included in their debt-to-income ratio?
- CHA
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Dear Experian,
We have looked at a foreclosure property and have submitted an offer. Our mortgage credit score was 820. The problem is that the bank is handling the foreclosure sale as an auction, so I have no idea where we stand since there are several bidders. If we don’t get this property then we will need to have our credit checked later by another bank. How will these two checks affect my credit score?
- WKI
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