Experian does not extend credit or provide credit cards

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Dear Experian,

How can I get a credit card with Experian?



Dear SHL,

Experian is not a lender and does not extend credit of any kind.

Experian gathers information from creditors and other sources and compiles that information into a credit report. Creditors then use that report to help them make lending decisions.

Your bank or credit union is the best place to start if you are trying to establish credit for the first time. They may be willing to extend a small loan or credit card with a low credit limit. They may ask you to deposit funds to secure the credit account. The account would then be reported, creating a credit history for you.

It might be necessary to have a cosigner in order to get credit for the first time. Other options are being added as a joint account holder or authorized user to another person’s account.

As a joint account holder you share responsibility for the debt. If you abuse that privilege by over spending or failing to pay the bill on time, you can damage the other person’s credit history, too.

Once you have an account established in your name, use the account to make a few small purchases each month and then pay the balance in full. By doing so, you will gradually build a positive credit history.

Thanks for asking.

The “Ask Experian” team

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The information contained in Ask Experian is 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. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.