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Articles by The Experian Team

When Will a Paid Judgment Be Removed?

February 14, 2017

Dear Experian, I paid a civil judgment in full this year. Will that ever be off my credit report? It shows the amount owed is $0, but it still...

I’m Thinking About Consolidating My Debt. Is That a Good Idea?

February 9, 2017

Dear Experian, Is it a good idea to obtain a personal loan to consolidate or pay off credit card debt? I currently pay approximately $800 a month to credit...

Can You Pay Your Student Loans with a Credit Card?

February 7, 2017

Dear Experian, I am on disability income but have not yet been able to get my student loans forgiven. If am unable to get them forgiven, can I take...

Does Applying for Credit Cards Hurt Your Credit?

February 2, 2017

Dear Experian, Do credit card inquiries hurt you long-term? If I apply for credit and am denied, how many points will my score drop? – PYL Dear PYL, It’s...

Will I Be Able to Get a Mortgage Loan After Declaring Bankruptcy?

January 31, 2017

Dear Experian, I filed Chapter 7 bankruptcy almost eight years ago. Should I wait 10 years until this is off my credit report to qualify for a first time...

What Does “Account Closed at Credit Grantor’s Request” Mean on My Credit Report?

January 26, 2017

Dear Experian, I have an account listed as “Closed – Account closed at Credit Grantor’s Request.” What does this mean? I was never late on any payment for this...

How to Find Your Social Security Number

January 24, 2017

Dear Experian, I want a replacement PIN for my security freeze. You asked me to mail in a document with my Social Security number — there are no other...

I Have a Credit Card I No Longer Use. Is It Bad to Close a Credit Card?

January 19, 2017

Dear Experian, Does closing a credit card account that I don’t use hurt my credit? – TMY Dear TMY, Yes, closing a credit card account you no longer use...

Does Leasing a Car Build Credit?

January 17, 2017

Dear Readers, We are sometimes asked whether leasing a car can help you build credit and the answer is, yes it can. In terms of credit reports and credit...

Why Does My Credit Report Still Show a Charge Off on an Account?

January 12, 2017

Dear Experian, I had a car payment that was seriously delinquent in 2015. In January of 2016 I brought the payment current, and the monthly payment has been paid...

How Long Do Collections Stay on Your Credit Report?

January 10, 2017

Dear Experian, How long does it take for a collection to be deleted from my credit report? – SMQ Dear SMQ, Your credit report is a history of all...

I’d Like to Improve My Credit Score by 100 Points. What Are Some Steps I Can Take to Do So?

January 5, 2017

Dear Experian, What steps can I take to improve my credit score by 100 points? – KKB Dear KKB, Every credit history is unique, so it’s impossible to say...