Part of Experian's expanded outreach to consumers, this biweekly column provides answers to questions about credit reporting and direct marketing submitted by consumers to Maxine Sweet, Experian's vice president of public affairs.

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The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy. Ask Max responses address general questions about credit reporting and direct marketing. Because of the volume of questions received, Maxine Sweet cannot respond to each question individually. However, if your question is of interest to a wide audience, she will include it in a future column. Note: Do not submit disputes of information in your credit history through Ask Max. Maxine Sweet is unable to process requests for investigation of information in your personal credit history. To request a dispute, you must first obtain a copy of your Experian personal credit history by ordering your credit report online or by calling 888 EXPERIAN (888 397 3742). To request a dispute, use our online disputing process for fast resolution. To receive personal assistance, call the telephone number or write to the address provided on your credit report.