Posts by experian.team:

Removing incorrect employment information

Dear Experian,

There is a previous employer listed in my credit report that I have never heard of nor worked for. How might this impact my credit rating, and how do I correct the information?

– JCO

How to lift a security freeze

Dear Experian,

How do I lift my freeze in your company?

– GSN

Disputing charges on credit card account

Dear Experian,

Will disputing a charge on my credit card affect my credit? Can the company with which I am in dispute give me a bad credit report? My phone was shipped to me and signed for by someone else. I did not receive it. –The company refuses to send me a new one so I am disputing the charges.

– TNM

Credit scores are not included in credit reports

Dear Experian,

I got my credit report, but where is my credit score? How do I get it?

– JLE

Just Charge It: Why I No Longer Max Out My Credit Cards

Financial blogger Deacon Hayes shares how he reversed a spending mindset to conquer debt and boost credit confidence. When I was 18 years old, I decided to apply for a credit card so I could start building my credit. It’s a common story. I was surprised at how fast I got my first approval – it […]

Why Checking Your Credit Report Won’t Hurt Your FICO® Score

An Experian survey in 2013 found that 49 percent of Americans check their credit scores at least once a year. While it seems that many understand the importance of checking their credit report regularly, there’s still room for improvement for more than half of Americans. Wondering why it makes sense for you to consult your […]

What is Your State of Credit?

Experian’s fifth annual State of Credit highlights the U.S. cities with the highest and lowest credit scores, bankcard usage, average debt as well as other factors in more than 100 metropolitan areas across the country. To find out where your city ranks, click on a state, scroll over a city and view the information for […]

Infographic: How to Read an Experian Credit Report

For many, understanding how to read and digest the information a credit report contains is key to unlocking the mysteries that the world of credit holds. Maybe you’re already familiar with the different types of information that appear on your credit report from giving it a careful review periodically. But if you’re new to credit in […]

What to do when your credit report appears “mixed” with a family member’s

Dear Experian,

It appears that my credit report is being mixed with my cousin’s. I have requested a copy of the report by mail, but received a letter that the information I provided does not match the information on my credit file. How can I get this resolved?

– JPM

How to report identity theft and a fraudulent tax return

Dear Experian,

Someone tried to file an income tax return using our names and Social Security numbers, so I need to report identity theft to Experian. How do I do this?

– AHK

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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.