Posts Tagged ‘ account ’

Establishing credit before going to college

Dear Experian, I am a 19 year old college student trying to establish credit early, and it would be helpful throughout college to have a low limit credit card just in case. Also, I am trying to get a car loan, and I know I need to use credit to gain credit. I applied for a credit card through my bank and was declined. I also applied for a student credit card and was declined again. How am I supposed to establish a credit history if I can’t get approved for anything? My parents are just starting to rebuild their credit themselves. Is there any way that I can establish credit without having to have somebody cosign for me? - FCS

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Collection agency may request a report without your permission

Dear Experian, Can a collection agency request your credit history without your consent? I have one on my report under "inquires shared with others" in which I did not consent. - LDA

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Divorce decree does not remove joint accounts from your credit history

Dear Experian, I am legally divorced. My ex-husband re-married. We had a joint mortgage account. I have a divorce decree stating I am not liable for this account anymore, but this account is on my credit report. What do I do to get this account out of my credit report? - JLH

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“Paid in full” charged off account is better than “settled for less than owed”

Dear Experian, If you have a charged off account, is it better for it to show "paid in full" or "settled for less?” - JMN

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