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Articles by The Experian Team

How Often Does Your Credit Score Change?

September 13, 2016

Dear Experian, Why doesn’t my credit score update or change? The last date on my credit score says September 2014. I have been working hard since then to bring...

How to Start Building Credit

September 6, 2016

Dear Experian, I’m currently a college student. How do I start building credit? Is having a credit card enough to establish credit while being a college student? –          KMA...

Should I Cancel My Credit Card? Will Doing So Hurt My Credit?

September 1, 2016

Dear Experian, I just opened a new credit card and I’m trying to learn more about how credit cards affect my credit score. I believe I have four credit cards...

What credit score do I need to buy a house?

August 31, 2016

Dear Experian, My FICO credit score is “stuck” at 680. I have not had any late payments. I’ve had two car loans over the last 10 years that I...

Can judgments included in bankruptcy be deleted?

August 25, 2016

Dear Experian, There is a judgment appearing on my credit report that was included in my bankruptcy. Will it be deleted? – JMV Dear JMV, When judgments included in...

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...