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Articles by The Experian Team

What is the statute of limitations on debt?

August 23, 2016

Dear Experian, What is the statute of limitations on debt? I have an account on my report that was sold to a collection agency. Does the statute of limitations...

Pay for Delete: Is it a Good Idea?

August 18, 2016

Dear Experian, If I pay a collection debt, and the collection company says they will delete it from my credit report, does that completely remove all negative information regarding...

Should You Pay Off Your Mortgage Early?

August 16, 2016

Dear Experian, Is it a good idea to pay off my mortgage early? What affect will that have on my score and how quickly will it go up? – LTD...

Are rent to own loans good for my credit?

August 4, 2016

Dear Readers, People often ask if rent-to-own loans help build a credit history. Unfortunately, the answer is no, because such loans are not currently reported to the credit reporting...

What is a secured credit card and will it help my credit?

August 2, 2016

Dear Experian, I don’t have enough credit history to generate a score, so I got a secured card with a $500 limit.  I have been making small charges, less...

Defining Charged Off, Written Off, and Transferred

July 18, 2016

Dear Experian, What are the definitions of charged off, written off and transferred? - CPL

The Difference Between VantageScore and FICO Scores

July 18, 2016

Dear Experian, What is the difference between a “Plus” score and a “FICO” score? On a June credit report from Experian my Plus score was 790 (330-830), while my FICO...

NSF Checks on a Credit Report

July 17, 2016

Dear Experian, How long do non-sufficient funds checks (NSF's) stay on your credit report? - LLS

Potentially Negative Items Listed on Credit Report

July 17, 2016

Dear Experian, How can I get my credit score up? It seems to keep going down, and I have paid almost everything off. Also, if an account is paid in...

Refusing to Cosign on a Loan to Protect Credit

July 17, 2016

Dear Experian, I am trying to get a student loan, but my parent's refuse to cosign because they fear cosigning for my student loan will affect their credit score, thus...

When Are Closed Accounts Deleted

July 17, 2016

Dear Experian, Will the closed account ever be removed from my credit report? - OWE

Score Didn’t Improve After Bankruptcy Removed

July 17, 2016

Dear Experian, I recently had a bankruptcy removed from my credit report, but it didn't change my score. When or how do you update the credit score? - PLM