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,
Why is my old creditor pulling my credit report? I had a car that I could not afford after being laid off. I ended up giving the car back and my account was charged off. I have no open accounts with them, so why are they pulling my credit report one year later?
- CLU
Comments Off
Dear Experian,
There are four accounts missing on my report, and the one account listed has the wrong creditor’s name on the account. What can I do to correct this?
-TMM
Dear Experian,
I was looking at my credit report and it stated, “You do not have a mortgage account in good standing.” What does this mean? I do not own a house.
- JKL
Dear Experian,
If I have a two year contract with a cell phone company, and if I pay my cell phone bill on time in full every month until the contract is up, does that build my credit score?
- CMR
Dear Experian,
My student loans were consolidated into a new loan. My old student loans now state “closed/paid collection” and, “Claim filed with government for insured portion of balance on loan.” Does this negatively impact my credit scores? I see “potential negative account” on all of the old loans. Can I get these old student loans removed to improve my credit scores?
- JNN
Dear Experian,
I recently consolidated my student loans with one vendor, but all my other accounts still appear on my credit report. It says it has been transferred, but I would like to know if I can remove those accounts from my report since they are counting as open installment loans.
-SCB
Dear Experian,
How long do public tax liens stay on your report after they have been released?
- SVB
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
Dear Experian,
Can inquiries be removed from your credit report?
-VNT
National Protect Your Identity Week is Oct. 20-27. Here are a few tips to help you protect your identity.
Dear Experian,
You have me listed at an address I have never lived at. How is this removed?
-DNW
Dear Experian,
Will cosigning a student loan hurt my chances of receiving a car loan in the future?
-SWK
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
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
Dear Experian,
Does paying off a closed or charged off account raise your credit scores?
-TYC
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
Dear Experian,
I have heard that requesting lower credit limits can hurt your credit scores. Is this true?
-MMB
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
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
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
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
Dear Experian,
How long does it take for an eviction to show up on your credit report?
- PHF
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
