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Articles by The Experian Team

What Happens to Debt When I Die?

June 20, 2017

Dear Experian, In the event of a family member or spouse’s death, who becomes responsible for the deceased’s debt? What if there is no insurance or money left by...

What Should I Do if I Don’t Recognize a Creditor on My Credit Report?

June 15, 2017

Dear Experian, I have two items on my credit report that I am not familiar with. I do not know what these entries are for. What should I do?...

When Does the 7 Year Rule Begin For Delinquent Accounts?

June 13, 2017

Dear Experian, I had a 30-day late payment in April 2011 and one 90 days late in September of 2011. When would the seven-year rule start? April or September?...

How Can I Tell if a Debt Collector is Legitimate?

June 8, 2017

Dear Experian, On my credit report it states that there is an open account for more than $400 to a company I have never heard of. I searched the...

What is a Creditor?

June 6, 2017

Dear Experian, I received a letter from Experian today stating that within the last 30 days, changes to my name, address, or Social Security number were reported to you...

What is a Grace Period?

June 1, 2017

Dear Experian, If you make payments within the grace period, does that affect your credit report? – TWB Dear TWB, A grace period is a set amount of time...

Is My Credit Report Supposed to Show My Closed Accounts?

May 23, 2017

Dear Experian, Should closed and paid off accounts be taken off my report or does that not matter? – JOM Dear JOM, Even though an account is paid off...

How Does Being an Authorized User Affect My Credit Score?

May 18, 2017

Dear Experian, How does being an authorized user affect my credit? The account is in good standing and has a long history, but a high — 85 percent —...

What Is a Credit Builder Loan?

May 16, 2017

Dear Experian, My credit score is very low. I have no credit history other than recent hospital bills on my credit report. I get denied for everything: bank loans,...

How Do I Deal with Debt Collectors?

May 11, 2017

Dear Experian, How should I deal with debt collectors? I have seen on other blogs that once the third party debt collector contacts you it starts the seven-year period...

How Can I Get Inquiries Deleted from My Report?

May 9, 2017

Dear Experian, I have 19 inquiries on my credit report from Experian. I have been declined for credit cards three to four times in the recent past. The reason...

Can You Build Credit with a Debit Card?

May 4, 2017

Dear Experian, I’m trying to establish a positive credit history. I’ve been paying my power bill and my telecommunications, internet and cable bills on time every month for over...