Welcome to the credit reporting industry’s first online consumer credit advice column, Ask Experian. Ask Experian has been published continuously since 1997 beginning as an advice column answering consumer questions about credit reporting.

Today, our posts and responses draw on the knowledge of Experian’s experts in consumer credit reporting, credit scoring, direct marketing, automotive history, identity theft and other areas from across the company. While you might not see the responders’ names or pictures you truly do “Ask Experian.” Our goal is to provide the knowledge and insight you need to be financially successful.

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.