The Experian Team Twitter | Google+

Articles by The Experian Team

Authorized User Account Not Appearing on Credit Report

December 18, 2013

Dear Experian, I checked my credit report online and saw that it says I have no credit cards. I am an authorized user on a card, and I pay the...

Being Removed as a Cosigner from Student Loans

December 4, 2013

Dear Experian, I co-signed college loans for my children. They are now both out of school, working and re-paying the student loans on time with no delinquencies. I would like...

Adding Authorized User Won’t Hurt Your Credit

December 4, 2013

Dear Experian, Will adding one or more authorized users (my husband and my daughter) to my credit card accounts affect me negatively? My daughter will not have a card to...

Lender Might Repossess Car After Non-Payment

December 4, 2013

Dear Experian, I took out a loan for a van in 2008 and lost my job shortly afterwards. I only made two payments on it. The lender never came looking...

Recent Late Payments Hurt Credit Scores the Most

December 4, 2013

Dear Experian, Why has my credit score dropped 42 points? There is a late payment on one of my cards which has since been brought current, and four of my...

Creditors Can Request to Remove Accounts from Credit Report

November 20, 2013

Dear Experian, Can a creditor request to remove an account from my credit report? Also, how long would it take for the removal to take effect? - JKJ

Voluntary Repossession Can Damage Credit Scores

November 20, 2013

Dear Experian, I am trying to trade-in my car; however, I am upside down on my current car loan. If I trade it, my payments will be really high. The...

Mortgage Loan Not Reported after Declaring Bankruptcy

November 20, 2013

Dear Experian, We filed bankruptcy two years ago and want to either refinance our home or possibly buy a new home. When the bank pulled our credit they said that...

Account Updates Will Not Change When Account is Deleted

November 20, 2013

Dear Experian, If a negative item is past seven years on my report and the creditor updates it, will it ever come off my report? - JCP

Multiple Inquiries When Shopping for a Car Loan

October 30, 2013

Dear Experian, I went car shopping one day and now there are lots of inquires that say they will be on my credit report until 2015. Is it right for...

What “Too Few Accounts Paid as Agreed” Means

October 30, 2013

Dear Experian, How can "too few accounts currently paid as agreed" be a reason for an adverse effect on my credit score when I currently have no unpaid accounts? - MIJ

How Utilization Rate Affects Credit Scores

October 30, 2013

Dear Experian, I have been led to believe that a component of one's overall credit score is the ratio of current credit card balances to one's total available credit. If...