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 been applying for work at employment agencies. They want my permission to conduct a credit check. My concern is that I was told in the past that if too many people are doing credit checks on me, it signifies a problem and can reduce my credit scores. Is that true?
- CICc
Dear Experian,
I am a homeowner for five years now, and am wondering why my mortgage company does not have to report my mortgage to the three credit bureaus. I applied for a car loan and my bank told me that my home was not on any of the bureaus, so I did not need to include my mortgage payments to apply for any loans. Is this true?
- SBY
Dear Experian,
My daughter applied for a student credit card but was turned down due to insufficient income and excessive obligation. She had no previous credit history. Does this create a credit history, and is it now adversely affected?
- JTL
Dear Experian,
Does having a joint checking account bring down a person’s credit score?
- WAG
Dear Experian,
How long does a repossession reflect on your credit report, and how does it affect your credit report?
- MMY
Dear Experian,
I was told that every time you get turned down for credit that your score goes down. Is this true?
- STI
Dear Experian,
At what age does the credit bureau start reporting credit history?
- RCU
Dear Experian,
I am trying to rebuild my credit. Is it better to keep a zero balance on the credit cards that I have recently paid off or keep a small amount and pay them off each month? I still have some credit cards that have a balance on, which I plan on paying off completely. I would just like to know the best way to raise my credit score.
- LLO
Dear Readers,
According to research by the Personal Finance Employee Education Foundation (PFEEF), as many as 80 percent of employees spend work time dealing with financial issues, costing companies as much as 20 hours a month in lost productivity.
Dear Experian,
How can I find out what accounts are hurting my credit?
- RBR
Dear Experian,
I want to opt out of all credit reporting. Can I do it?
- CPR
Dear Experian,
After a bankruptcy discharge the creditors usually update their entrances, so the debt shows as discharged in bankruptcy. However, they don’t always do that. Can I send you a copy of my discharge and the list of creditors so the report can be updated?
- ETT
Dear Experian,
I pulled a credit report because of a declined application. Does that restart the clock for the annual report, or are they separate events?
- WLS
Dear Experian,
My student loans were consolidated into a new loan. Both the new loan and all of the old loans are on my credit report. The old loans say transferred. Should they be closed as well?
- DSH
Dear Experian,
I broke off a relationship in October 2009 where I was an authorized user on several credit cards. My ex-girlfriend told me she removed me as authorized user. Can I get those accounts deleted off my credit report since I am not legally responsible for those debts? If so, how do I go about doing it?
- IMM
Dear Experian,
Can I dispute the score? I have a creditor that hasn’t reported me current on several opened accounts. I show current with Experian and one of the other credit agencies but there is no account data with the third. I show the lowest score from them.
- NTA
Dear Experian,
How frequently is one’s credit record updated? If I paid off an old debt and want my credit report to reflect a $0.00 balance, how long does it take to show up? How can I speed along the process?
- SAL
Dear Experian,
How do I get a voluntary repossession off of my report? It has been three months and the credit union has since sold the car.
- OTT
Dear Experian,
I withdrew an application for credit from a national bank on the same day of my request. They still sent me the packet, and then several days later they sent me a declined notice. Does this affect my credit score?
- CHR
Dear Experian,
I have been divorced over one year. My ex-spouse was awarded the house and all bills that she has with that house. I want that off my credit report. What has to be done to correct this problem?
- PRE
Dear Experian,
I have received a few inquiries involving debt owed to companies. I am 21 now, and the cases were for bills from 2004 till 2008. I was 14 at the time and in foster care. I am positive it was my mother, and I have letters from the government stating I was in Child Protective Services custody. Is this enough to dispute the charges?
- CTC
Dear Experian,
If you pay off a debt does it get taken off of your credit report with in a month? How does it get removed? Do you have to show proof of payment such as writing a letter?
- RDA
Dear Experian,
What is my credit report number? I need it so I can speak to someone live.
- MIN
Dear Experian,
I recently moved here from British Columbia, Canada, and when I apply for a credit card here you deny it because you say my credit information is not available. How may I make my Canadian credit record available to you so I may start a credit history here with an American credit card?
- LLY
