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Credit Repair/Questions
| Subject | Date Asked | Expert |
| short sale | 2/8/2012 | Yan Ross |
| Q: if we are planning for a short sale, it sounds like our credit will be affected for 2 to 3 years. if ... A: Dana, There are numerous variables involved in your situation, so I'll identify some of them and ... | ||
| Credit Repair | 2/5/2012 | Yan Ross |
| Q: My credit has been ruined as a result of job loss after the economic crash. I have a mortgage ... A: Aneika, Unfortunately, your situation is not uncommon, though there is not a single "one size fits ... | ||
| "date opened" was 2005 but is now 2011 | 2/5/2012 | Yan Ross |
| Q: I'm in the process of correcting my husbands credit report so that we can hopefully buy a house ... A: Andrea, I have a couple of thoughts to suggest. First, since State law determines some of the ... | ||
| Bankruptcy? | 1/31/2012 | Yan Ross |
| Q: I am 27-years-old and have been irresponsible with my credit in the past. My credit score is 581, I ... A: You've posed two questions, and let me respond in turn: Any positive movement in your payment of ... | ||
| Bankruptcy? | 1/30/2012 | Yan Ross |
| Q: I am 27-years-old and have been irresponsible with my credit in the past. My credit score is 581, I ... A: Cathy, I've reviewed the information you sent, and have some thoughts about some information you ... | ||
| From No Credit History to Building Credit | 1/12/2012 | Yan Ross |
| Q: I am almost in my mid 20's and have never used a credit card. I always did things the old fashioned ... A: Samantha, You are on the right track, based on your description of your credit activities. Your ... | ||
| Same debt showing up twice on credit reports | 1/5/2012 | Yan Ross |
| Q: Good day, I had just pulled my Experian and Transunion credit reports. I had noticed on both of ... A: Stephen, There are two steps I would suggest, in the following order: First, the situation you ... | ||
| Cancelling a Credit Card (Canada) | 12/29/2011 | Yan Ross |
| Q: I have two credit cards with not much limit. TD bank $1000 limit no fee and Capital one $300 limit ... A: Anna, Regarding the Capital One card, there are two considerations that about cancel each other ... | ||
| Negative Credit? | 12/23/2011 | Yan Ross |
| Q: Good afternoon, I asked you a question about a month ago and your quick response was very helpful. ... A: Chris, I only have a minute (my wife broke her arm a couple of days ago, and it's put me in a time ... | ||
| paid collections | 12/7/2011 | Yan Ross |
| Q: My husband and I are planning to buy a home in the next nine months. We will be using his credit and ... A: Melanie, I wish I could give you a firm answer and tell you exactly how many points your credit ... | ||
| closing a ole credit card account.. | 11/23/2011 | Yan Ross |
| Q: Today when I visited a bank , I got an invitation to open a new credit card account even though I ... A: Heon, The situation you describe, swapping out one credit card for another from the same issuer, ... | ||
| Credit score | 11/22/2011 | Yan Ross |
| Q: Good afternoon, I have a couple of questions regarding my credit score. I went to ... A: Chris, First, it is normal to experience a small reduction in your credit score when you open new ... | ||
| Worst Case Scenario | 11/14/2011 | Yan Ross |
| Q: My credit score has dropped considerably over the past 24 months. I have had a foreclosure, lowered ... A: Steve, First, I can't give you legal advice for Nevada law, so I will have to suggest that you seek ... | ||
| new roof credit | 11/12/2011 | Yan Ross |
| Q: .the roof on the house here is shot, and i am wanting to get a metal roof put on this time. now, in ... A: James, The simplest way to give your roofer access to your credit report would be to temporarily ... | ||
| Leaving a credit card out of the Bankruptcy | 11/9/2011 | Yan Ross |
| Q: I'm going to file chapter 7 bankruptcy and I share a credit card with my sister. We are joint ... A: Ana, Regarding the issues that depend on interpretation of federal bankruptcy law, I can only ... | ||
| Possible Negative item on credit report | 10/29/2011 | Yan Ross |
| Q: I had an elderly man back into my vehicle w/o looking. I didn't have damage; he did. My insurance ... A: OK, :o)! Let me start by reiterating that I can't give you legal advice. That said, the only ... | ||
| Possible Negative item on credit report | 10/28/2011 | Yan Ross |
| Q: I had an elderly man back into my vehicle w/o looking. I didn't have damage; he did. My insurance ... A: Patrice, Let me speak to two issues: the collection matter and the credit report matter. Although ... | ||
| Joint credit card account | 10/25/2011 | Yan Ross |
| Q: My dad is the primary account holder on our American Express card but I am also a joint cardholder ... A: Jenn, Your father's independent obligations should not have any impact on your credit score under ... | ||
| Credit debt help | 9/24/2011 | Yan Ross |
| Q: I applied for a loan for a mobile home and my credit scores were very good, all looked good to go. ... A: Barbara, I would suggest a couple of steps to work toward resolving your situation. First, you'll ... | ||
| Establishing Credit for non-US citizen | 9/22/2011 | Yan Ross |
| Q: I'm a US citizen with good credit, and I live outside the US. My boyfriend and I are planning to ... A: Mary, The short answer to your follow-up question is this: Adding him to your credit card account ... | ||
| Credit Repair | 9/22/2011 | Yan Ross |
| Q: I had no idea I was monitoring my credit score on a FAKO (experian)website, but from that I started ... A: Nelly, First, Experian is a legitimate company, one of the three major credit reporting agencies. ... | ||
| Establishing Credit for non-US citizen | 9/21/2011 | Yan Ross |
| Q: I'm a US citizen with good credit, and I live outside the US. My boyfriend and I are planning to ... A: Mary, It sounds to me like you have already covered most of the actions you could take while you ... | ||
| Apartment lease | 9/17/2011 | Yan Ross |
| Q: I am probably going to have to leave my apartment and lose the deposit. There are 10 months more on ... A: Carl, The specific answer to your question is not simple, but let me give it a try. First, if your ... | ||
| Credit Debt Advice | 9/13/2011 | Yan Ross |
| Q: Greetings, Yan, I'm 39, divorced with no kids. I have $115,000 in student loan debt. A credit ... A: Frank, You have presented a very complicated situation, one that I would be remiss to attempt to ... | ||
| Credit dipping? | 8/16/2011 | Yan Ross |
| Q: I recently checked my credit scores from the big 3, as I do roughly once a year. What I saw ... A: Matt, You've described (what appears to be) a fairly recent and widespread phenomenon: decreased ... | ||
| How early to pay off auto loan? | 8/14/2011 | Yan Ross |
| Q: I'll be buying a new car in about 3 weeks. Although I am able to pay for the car in cash, I want to ... A: Lauren, In general, you are correct that you can raise your credit score by using a credit facility ... | ||
| Cell Phone Debt Collection | 7/26/2011 | Yan Ross |
| Q: In 2007 I recently bought a cell phone for one of my friends in a different state. I never had a ... A: Shannon. I don't see this primarily as a credit repair issue, but it is likely to harm your credit ... | ||
| Establishing/Repairing Credit | 7/15/2011 | Regan Shinski |
| Q: Good Morning; I recently opened a Capitol One "basic" credit card account. Aside from paying my ... A: Specifically on this credit card, there is nothing you can do other than use it, pay it on time, and ... | ||
| credit score | 7/9/2011 | Yan Ross |
| Q: I have a credit score of over 800. how many points will my score drop for non payment of HOA dues. ... A: Fred, There are many variables involved in responding to your question, and I can't give a specific ... | ||
| Credit Report | 7/7/2011 | Yan Ross |
| Q: I had a credit card in 2007 and 2008. I wrote a check in June of 2008 to pay off the entire account ... A: Kevin, I don't think you should have to pay to get help. There are several things you can do to ... | ||
| credit score | 7/5/2011 | Regan Shinski |
| Q: How many points could my credit score drop for unpaid hoa fees my score is over 800 thx fred A: The EXACT scoring method is a closely guarded secret so franky no one can tell you for sure. I can ... | ||
| Credit repair | 6/12/2011 | Yan Ross |
| Q: my Bankruptcy was discharged six years ago and I am having much trouble getting approved for credit ... A: Jared, Thanks for your follow-up question and clarification. I have two comments: 1. There must ... | ||
| Credit repair | 6/10/2011 | Yan Ross |
| Q: my Bankruptcy was discharged six years ago and I am having much trouble getting approved for credit ... A: Jared, Since your BK was done 6 years ago, I'm wondering why you have not been working on ... | ||
| Credit repair | 6/6/2011 | Regan Shinski |
| Q: my Bankruptcy was discharged six years ago and I am having much trouble getting approved for credit ... A: Hard to say. Six months may be early. Are there any other positive accounts showing? Maybe try ... | ||
| Credit-Scoring | 6/5/2011 | Yan Ross |
| Q: I have general but confusing question. Qs: Many lenders use credit scoring to assist them in making ... A: Sonia, I'm afraid I can't help you further without the title of your textbook and the language of ... | ||
| Charge-off | 5/31/2011 | Regan Shinski |
| Q: I cosigned for a vehicle loan back in 06 for my then fiance. She has since moved to Jersey and stop ... A: I believe your best bet is to find the vehicle. The reality is if it is in your name, you are going ... | ||
| Credit-Scoring | 5/25/2011 | Yan Ross |
| Q: I have general but confusing question. Qs: Many lenders use credit scoring to assist them in making ... A: Sonia, First, it appears you are not in the US, so it's not possible to give you a firm answer on ... | ||
| Multiple Reports | 5/22/2011 | Yan Ross |
| Q: I pulled my credit report a month and a half ago using freecreditscore. I was at a free Real Estate ... A: Dustin! First, let me advise that "freecreditscore.com" is a proprietary web site, not the official ... | ||
| Negative accounts on credit reports affect applying for student loans | 5/18/2011 | Regan Shinski |
| Q: I have two negative accounts on my credit report one occured in 2006 from some missed payments on a ... A: Yes, it can damage your credit a decent amount. The specific amount is impossible to say as the ... | ||
| closed credit card | 4/12/2011 | Michael Fay |
| Q: Fay, I have 4 credit cards and am very close to paying off one of them (smallest line of ... A: Unless the card has an annual fee, you are in much better shape to keep all of the cards open. You ... | ||
Credit Repair
Answers by Expert:
Yan Ross
Top Expert on this page
Expertise
I can answer questions on credit reports and dealing with credit reporting agencies, including disputed items, credit scores, and other consumer-related issues.
Experience
In addition to being an attorney and accredited educator, I have dealt with credit reporting issues for over 25 years.
Organizations
Currently an AllExperts Expert on Identity Theft and Reverse Mortgages
Education/Credentials
Certified Credit Report Reviewer (Institute of Consumer Financial Education, nationally prominent non-profit educational organization).
Certified Identity Theft Risk Management Specialist (ICFE)
JD, Yale Law School
BA, Princeton University
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