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,
I just had my credit run for a credit card and was denied. The lender said Experian was used to check my credit and I am entitled to a copy of my credit report. How do I get this?
- LMS
Dear Experian,
Is there a way to run a credit check on my daughter? Yesterday she received an application for a credit card. This shocked me because she is only eight years old? I do have a saving account open for her with a national lender. Would this have caused the credit to be established?
- NNI
Dear Experian,
How should a loan I cosigned for my daughter be listed on my report? The creditor listed it as “Joint” but the credit union told me they put me in their system as the primary borrower, which is wrong. My daughter is the primary borrower.
- SJH
Dear Experian,
As a small business, how do I report to credit agencies a judgment awarded to us against a tenant?
- OGI
Dear Experian,
I have two judgments on my credit report that have been satisfied, and I don’t know how to get them removed. I also have an account from a company showing in my report, but I never had an account with them. What do I do?
- LOC
Dear Experian,
I would like to try to fix my credit myself before I pay $865 for 60 months. What should I do first?
- KAR
Dear Experian,
I’m going to be married soon. Will my credit be mixed with my husband’s? What should we do to make sure we keep our good credit after the wedding?
- MHO
Dear Experian,
Will adding my responsible adult daughter (age 24) as an authorized user to one of my credit card accounts help to build her credit?
- CCA
Dear Experian,
I have changed my name through naturalization. How can I change my name in my credit report?
- SLY
Dear Experian,
I have many small revolving store credit cards with no balance on them. How can I close them without it hurting my credit?
- ENB
Dear Experian,
I obtained my free annual credit report a few days ago, but didn’t purchase the score. I am not interested in obtaining the score. If I purchase a credit score does it give my credit a double hit? Also, when you obtain your score, does your score get lowered, and if so by how much?
- MHO
Dear Experian,
I just filed bankruptcy and it was discharged in January 2011. I thought that because I filed bankruptcy my bad credit would be taken off my credit report. How come they are all still there but show discharged with Chapter 7?
- JAC
Dear Experian,
I have been denied credit. Can I get a free copy of my credit report?
- KHO
Dear Experian,
I have been rebuilding my credit and would like to purchase a motorcycle and an engagement ring. If I apply for credit and get denied will my credit score go down and how long will the two remain on my credit report?
- ENB
Dear Experian,
I would like to update my personal information, specifically my e-mail address. How can I do that?
- DRI
Dear Experian,
My credit report has two Social Security numbers on it. One is mine, the other I have never seen. What do I do?
- KAJ
Dear Experian,
If it says on my report that I have zero negative items and zero accounts in good standing why would I be denied a credit card if I pay my bills regularly. Nothing is behind as far as I can see.
- ICI
Dear Experian,
I am planning to move to Canada. Can I use my credit history from the U.S. to rent an apartment in Canada?
- ALV
Dear Experian,
I have good credit. My brother’s credit is bad due to the recession and losing his job. I am letting him use my credit card, which he is paying on time. What would happen to my credit scores if I added his name and info to my credit card? What would happen to his credit scores?
- LMT
Dear Experian,
Can I dispute incorrect information at anytime online?
- EWA
Dear Experian,
I work in my company’s Human Resources department, and our consumer reporting agency uses Experian to obtain credit reports. We have recently seen the term “Overdraft/Reserve Checking Account” on credit reports and are not familiar with what that means. Our consumer reporting agency told us to contact you. We only see it when the account is not in good standing.
- EGR
Dear Experian,
What kinds of public records can be part of a credit report? How often are they updated, and if I have a paid public record on my credit report, how do I get it taken off?
- AMB
Dear Readers,
Increasing your knowledge is the key to unlocking financial success. Recent studies show there’s room for improvement when it comes to our understanding and application of financial fundamentals
Dear Experian,
How soon do banks have to report new credit loans to the reporting agencies?
- MLC
