Marrying a man who declared bankruptcy

Posted on Aug 20 2013 by

Dear Experian,

I would like to get married to a man who filed for bankruptcy. I have great credit, and he has a new slate. Will it wreck my credit even if we keep our finances separate?

- REM

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How to find out who is checking your credit report

Posted on Aug 20 2013 by

Dear Experian,

How do I know who is checking my credit reports? Can anyone check my credit? Do you keep a list of these people? I think my neighbor knows everything about my finances. How is that possible?

- HEP

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Social Security number, birth date not enough to access your credit report

Posted on Aug 20 2013 by

Dear Experian,

If someone has your Social Security number and your date of birth, can they access your credit report online? How can you tell when your credit report was last checked, and by whom? I think that someone checked my credit report, and it was not me.

- ARR

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Vehicle repossession can prevent approval for a mortgage loan

Posted on Aug 20 2013 by

Dear Experian,

Can a vehicle repossession affect your credit bad enough to prevent you from being able to purchase a new home?

- SHA

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Day late payment probably won’t show on credit report

Posted on Aug 20 2013 by

Dear Experian,

I mailed one payment late because I forgot about it, and when I remembered it was one day late. How bad will that look?

- XOB

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The impact of foreclosure on your credit report

Posted on Aug 20 2013 by

Dear Experian,

With all the real estate and mortgage problems today I am sure this question has come up before. But, for some reason I can’t find any information on any of the credit bureaus websites. How do the credit bureaus look at a foreclosure on a person’s credit report? Is it as bad as a bankruptcy? How many years does it take for it to go off the credit report?

- LLE

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One inquiry can be “too many”

Posted on Aug 20 2013 by

Dear Experian,

I am confused as to why I have only one inquiry on my report but all three bureaus say “too many inquiries last 12 months.” Is this affecting my score very much? Even if it is not, why are they using that as part of their scoring system for me?

- MOR

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Separating credit reports of father and son

Posted on Aug 17 2013 by

Dear Experian,

How do you go about repairing credit when it has been commingled with your son? Both father and son have the same name.

- ILB

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Credit scores and your home equity line of credit

Posted on Aug 17 2013 by

Dear Experian,

Will using up your entire home equity credit line count negatively on your credit report and score even if you are never late on your payments?

- GGI

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Transferring balances shouldn’t hurt credit scores

Posted on Aug 17 2013 by

Dear Experian,

Does the simple act of making a balance transfer lower your credit score and if so how much?

- UOU

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Tax liens and credit scores

Posted on Aug 17 2013 by

Dear Experian,

I have a tax lien on my credit report. I know it isn’t mine. It belongs to a relative that was living with me. I am having it removed as we speak. I was wondering about how many points does this affect my credit score on average?

- MWA

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Making multiple payments each month can help credit scores

Posted on Aug 17 2013 by

Dear Experian,

I tend to make more than one payment per month on my credit cards accounts. Will this raise my credit scores?

- STA

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Making very good credit scores better

Posted on Aug 16 2013 by

Dear Experian,

I have an 805 Experian score. I know that’s a good score; however, I am a competitive person and would like a higher score. I have the financial means to do whatever is necessary. For example, I could pay off my mortgage, but I don’t because I think it helps your score to have one. I pay my credit cards off monthly, but your systems show a balance, so should I send a $10,000 or $20,000 advance payment each month to the credit card companies so there will never be a “balance,” just activity? Would that help? I really don’t need credit, but find it challenging to raise my score.

- PSZ

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How to find out who has looked at your credit report and why

Posted on Aug 16 2013 by

Dear Experian,

I got a call from Sallie Mae telling me someone had pulled my credit report. How do I find out who that was and why?

- TDO

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FCRA restricts who can get your credit report

Posted on Aug 16 2013 by

Dear Experian,

Who can access my credit report? Do they have to have my permission? Is there anything you can do to prevent someone from accessing my credit report?

- NNH

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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