Do you have questions about credit? Join our live video chat every Tuesday and Thursday at 2:30 p.m. ET on Periscope. Rod Griffin, Director of Public Education at Experian, is available to answer your questions live. Here are some of the key questions Rod addressed in today’s scope: When you dispute online, is it being seen […]
How long does a derogatory closure of an account pertaining to an auto loan affect your credit scores?
I have a charge off from 2009. I am in a payment plan. Does this mean I started the clock over on when the charge off will be removed?
If a negative item is past seven years on my report and the creditor updates it, will it ever come off my report?
Can a charged off account on your credit report that was opened in 1999 and closed in 2010 be sold to another collection agency and then be given to an attorney to get payment from me?
If the account status information says the item will be moved from negative to positive on a certain date, what determines when and why that happens?
Can I include a letter in my credit report to explain a charge off or collection?
If you have a charged off account, is it better for it to show “paid in full” or “settled for less?”
I have a “charge off” credit card account on my credit report that I have been repaying for over a year. I am paying the original creditor, as they handled their own collections. Why aren’t these payments showing on my credit report?
I recently looked at my credit report and saw that I owe two debts, and Experian is the collector. My question is where do I send the payment? I have been trying to pay it for a while now with no luck. Can you help?