What happens to your credit file when you die

Posted on Aug 16 2013 by

Dear Experian,

What happens to your credit file when you die? Does the file get closed right away, or does it stay open for a period of time?

- THB

Read more

The consequences of writing a check when there is no account

Posted on Aug 16 2013 by

Dear Experian,

Is writing checks on an account which has been closed considered illegal?

- LXS

Read more

Why it is important to establish credit when you are young

Posted on Aug 16 2013 by

Dear Experian,

Why is it important to establish credit while you’re young? If I don’t establish any credit will it affect my future and why?

- OZY

Read more

The effect on credit scores when you check your own credit report

Posted on Aug 16 2013 by

Dear Experian,

How often can I check my own credit without getting dinged for it? I do not want to affect my credit scores by over-checking.

- NDQ

Read more

Time limits for collection agencies to collect a debt

Posted on Aug 16 2013 by

Dear Experian,

What is the time frame that collections agencies can go after their money?

- TRA

Read more

Balance-to-limit ratio applies only to revolving accounts

Posted on Aug 16 2013 by

Dear Experian,

Does the balance-to-limit ratio only apply to credit cards, or does it apply to installment loans, such as student loans or auto loans, as well?

- NDR

Read more

The meaning of “too few accounts paid as agreed”

Posted on Aug 16 2013 by

Dear Experian,

My credit score came back with a statement saying, “too few accounts paid as agreed.” I was wondering what that means since I have never paid an account or bill late.

- CHW

Read more

How long it takes for scores to go up depends on your overall credit history

Posted on Aug 16 2013 by

Dear Experian,

How long after negative information is removed will it take for your credit score to go back up? When viewing your credit report, can a business see if you have been denied credit?

- FSU

Read more

How disputed information is updated with other credit reporting agencies

Posted on Aug 16 2013 by

Dear Experian,

If one credit agency deletes a record because my dispute was favorable; how does that get reported to the other agencies, or does it? Do I send a copy of the result of investigation to the others so they can remove the unfavorable item?

- KVI

Read more

Employer listings on your credit report

Posted on Aug 16 2013 by

Dear Experian,

I used Quizzle.com to see my Experian credit report. You have my current employer incorrectly listed. The employer you show was a couple of jobs ago, and I work for a completely different company now. How significant is this? Should I request you update your records? Will I harm my credit standing by making such a request?

- CKC

Read more

Adding a fraud alert does not hurt credit scores

Posted on Aug 16 2013 by

Dear Experian,

Does adding a security alert raise your credit score or affect it in any way?

- WCB

Read more

The impact of paying a collection account on credit scores

Posted on Aug 16 2013 by

Dear Experian,

Does settling a debt that is showing negative on my credit report as a “collection”, get removed from my report as soon as it is paid? Does paying this debt help raise my credit score?

- ONY

Read more

Getting more credit cards to help credit scores

Posted on Aug 15 2013 by

Dear Experian,

Will my credit score improve if I have more credit cards? Do I have to use them to get a better score?

- IGG

Read more

The difference between “closed” and “paid in full”

Posted on Aug 15 2013 by

Dear Experian, Some of my accounts that are paid in full show “closed” instead of “paid in full.” Does this hurt my credit rating? If my account is paid in full but did have delinquent payments throughout the term of the loan, can it be deleted seven years from the original delinquency date? – OGG […]

Read more

U.S. credit history will not transfer to Canada

Posted on Aug 14 2013 by

Dear Experian,

I am a citizen of both the U.S. and Canada. I currently reside in the U.S., but I plan to move with my family back to Canada. Will my United States credit history transfer to Canada? Are there credit card companies that offer accounts that will transfer from the U.S. to Canada?

- JST

Read more

How to notify Experian that an individual has died

Posted on Aug 14 2013 by

Dear Experian,

Where can I fax a death certificate so the individual’s report can be flagged appropriately?

- TBW

Read more

How ex-husband’s address appears on your credit report

Posted on Aug 14 2013 by

Dear Experian,

After viewing my credit report, I saw that two addresses are addresses where I have never lived. They are addresses of my ex-husband. How do they get on my report?

- TTO

Read more

Adding a statement explaining collection accounts to your credit report

Posted on Aug 14 2013 by

Dear Experian,

Can I include a letter in my credit report to explain a charge off or collection?

- SMB

Read more

Difference between a voluntary surrender and repossession

Posted on Aug 13 2013 by

Dear Experian,

If I voluntarily surrender my car to the financial institution carrying the loan, will it make a difference on my credit report? Or, is it a repossession no matter how it is repossessed?

- HAN

Read more

Small claims judgments are reported to credit bureaus

Posted on Aug 13 2013 by

Dear Experian,

I am a landlord that has been awarded a small claims judgment in excess of $5,000. Can this be reported to a credit bureau, if so how?

- RDT

Read more

Using checks from your credit card company

Posted on Aug 13 2013 by

Dear Experian,

Is it wise to use checks that your credit card company sends you stating that you can use them anyway you please?

- VPJ

Read more

The impact of credit counseling on credit scores

Posted on Aug 13 2013 by

Dear Experian,

How does credit counseling affect credit scores, and will credit counseling result in damage to one’s credit report or score?

- AKN

Read more

Landlords can share credit reports with tenants

Posted on Aug 13 2013 by

Dear Experian,

Can a landlord show a prospective tenant a copy of their credit report? Can a landlord give a prospective tenant a copy of their credit report?

- REB

Read more

Unemployment claims do not affect your credit report

Posted on Aug 13 2013 by

Dear Experian,

My colleagues and I had a debate over these questions: Will filing an unemployment claim be reported on credit file? If so, will it affect future credit consideration? Can you help us settle our debate?

- YAW

Read more

Adding a fraud alert after check fraud

Posted on Aug 13 2013 by

Dear Experian,

I was a victim of check fraud. I was told I’m entitled to seven years of free fraud alerts as long as I have a police report. Is this true? The bad checks are rolling in now, and I am concerned that they might have opened up credit in our names as well.

- GID

Read more

  • ©2014 Experian Information Solutions, Inc. All rights reserved.