Dear Experian,

I applied and was approved for an auto loan through my credit union, which I have numerous accounts with – mortgage, savings, money markets, and credit cards. Twice I’ve let the preapproved loan expire and asked to have it re-approved. I have not made a decision on a car. Each time I have it re-approved I get a notice that includes my credit score. It’s always really good. Am I harming my credit scores by letting the loan offer expire and resubmitting again? I need to do this for a third time (and this time I plan to use it!), but wondered how this fits into what you’ve told us before about inquiries with “existing creditors.”

- LGD

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Dear Experian,

I made payment arrangements to pay a debt to the original credit card company; however, a third party collection agency is now contacting me for payment on the same account. Who should I be making payments to?

- ALT

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Dear Experian,

Once an item is removed from the report after having been reported for 7-10 years, can the creditor still try to collect the debt? Can the account still collect interest?

- LGD

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Dear Experian,

How will a loan modification affect my credit scores? I’ve never been late on my payments and have been approved for a modification without any late payments.

- HBO

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Dear Experian,

My credit report says my score is reduced because I have no revolving credit accounts. Would it help my score to apply for and use a credit card?

- RYN

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Dear Experian,

I just had a credit check done by my new landlord, and one company had negative feedback. I tried to dispute it online but it is not recognizing the report number. What can I do next?

- HBO

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Dear Experian,

What is the difference between chapter 7 and chapter 13 bankruptcies?

- RYN

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Dear Experian,

I have a company reporting “charge off” on my credit report when it should be a bankruptcy that was done in August 2010. Can you help me understand why it is being reported like this?

- EUB

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Dear Experian,

My oldest son recently moved. I have just found out that your agency, without my knowledge, changed the address on my credit cards. My bills should still be coming to me, and his should go to him. I think it is absurd to change all the addresses when someone moves when there are different people and cards involved. I think this program should cease immediately. At the very least, people should be notified that this is happening so they can confirm which cards should have the address changed.

- RKO

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Dear Experian,

Can a Chapter 7 bankruptcy get deleted earlier than the 10 years if your lawyer had you agree to pay off some of the debt owed to the creditors and you also reaffirmed some of the secured debt owed in the chapter 7 case?

- EXR

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Dear Experian,

My fiancé is divorced and lost his house to foreclosure. He has a bad credit history including bankruptcy. When we marry what are the pros and cons of my taking his name? My credit is pretty good – good enough to buy a $132,000 home two years ago. I’ve heard that marrying and taking their name is a huge mistake if there are credit problems. Can you advise, please?

- PFI

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Dear Experian,

I am listed as deceased on my credit history. How can I change that?

- CAG

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Tweet Dear Experian, How do I get the word to Experian that my income has greatly increased? I was denied a credit limit increase on my credit card, and I think it was because they think I still have a low income. – ORI   Dear ORI, Income is not part of your credit report. [...]

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