Experian does not collect debts on behalf of creditors
Once filed the case is a matter of public record and appears in your credit history.
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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Dear Experian,
If I have my file frozen with all three national credit reporting companies can I still have credit monitored? I do have a couple of monitoring services, but I’m not so sure they are working. I want both if possible, frozen and monitored. Is this possible?
- DYN
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Dear Experian,
You have recently responded to a question for those that short-sell their homes without being late on their mortgage payments. Under the same line, what effect does it have doing a short-sale for those people that plan to set up a business in the future?
- OGC
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Dear Experian,
My Experian credit report has some accounts that have “Status: Paid, Closed/Never Late” with “Status Details: this account is scheduled to continue on record until” with a date. Is this a good thing on my report, a bad thing, something I want to get taken off?
- RYE
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Dear Experian,
If I have taken care of tax liens, will they always be on my report, and if they are does it do any good to try and get them removed.
- ATJ
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Dear Experian,
I am trying to buy a house, and my credit score just needs to go up by one point. The only credit I have is a credit card with a $900 balance and $1,500 limit. If I pay it down to $500 would this raise my score?
- NDR
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Dear Experian,
We filed chapter 7, and it was discharged on Jan. 31, 2002. Because we were under the old law, the bankruptcy should be off our credit, right?
- EPE
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Dear Experian,
Does a Chap 7 bankruptcy drop off the report 10 years after filing date or the discharge date?
- DGM
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Dear Experian,
Who gave permission to collect information at consumer reporting companies, and when did it start?
- SPL
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Dear Experian,
I am thinking about cancelling a few credit cards that have a zero balance that I don’t use but have a great payment history with. How will this decision on my part affect my credit scores?
- ABF
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Dear Experian,
I’m asking my bank to do a loan modification on my mortgage. They said that I need to be 30 days late on my payment in order to do the modification. Is this going to damage my credit?
- RBL
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Dear Experian,
I am thinking about cosigning an apartment lease for my girlfriend. I would not live there. I know that if she makes a late payment or doesn’t pay that I will be responsible for the lease payments and that it will show on my credit report. But, will the simple fact that I am a cosigner show up on my credit report if I want to apply for a loan or mortgage for myself? Assuming she pays as agreed will cosigning affect my credit score?
- LYB
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Dear Experian,
I am a graduate student with no income. I have a car payment that hasn’t been paid in two months, and now they want to repossess it. I am doing all I can to get the money but am considering letting them take it. I have no help at all. What should I do? How long does it take a repossession to be removed from a credit report, and how long will it be held against me?
- ANS
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Dear Experian,
I had a credit report and score run. My score is 687. The report said my risk grade is “D” (Non-Prime).What does the risk grade mean? Is “D” good or bad.
- OVE
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Dear Experian,
Which credit card bill should I pay first? I had a credit card closed by the company because the bank is going bankrupt. On my credit report they list that the account was closed by the consumer, that I have $0 credit available with a balance of $2,568 and an APR of 35.5%. I also have an open credit card with a credit limit of $3,500 and only $80 available (it’s maxed out). The APR is 10.99%.
- TAS
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Dear Experian,
I want to know if your landlord put you in court for unpaid rent and you got evicted but he did not do a credit check when you moved in would it be on your credit report?
- URR
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Dear Experian,
Is it true that my credit is going to be trashed once I join in a debt management program?
- NLI
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Dear Experian,
When a spouse dies what happens to their credit information? Can it be purged or removed with a copy of the death certificate?
- MRB
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Dear Experian,
Since October 2008 I have been unemployed and would like to know how applying a credit freeze on my reports affects my search for employment.
- SWE
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Dear Experian,
My credit report is clean except for past due medical bills. I would like to know if having medical bills past due is going to prevent me from having a good credit score and good credit. I have always been told not to worry about paying any medical issues on my credit report. Is that true?
- YGR
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Dear Experian,
When I moved, I misplaced the PIN for lifting my credit freeze. Can I get another PIN, and can I request it by email?
- VAG
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