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Articles by The Experian Team

When Inquiries Appear on Your Credit Report

October 15, 2014

Dear Experian, Should the hard inquiry I have on my credit report from applying for credit be removed if I ended up getting approved and establishing credit with the...

Update Your Credit Report to Show Home Ownership

October 15, 2014

Dear Experian, I am the owner of a house with a paid mortgage, which I am renting to family. How will this affect my credit scores, and how can...

Social Security Number Variations May Not Be Fraud

August 27, 2014

Dear Experian, I was told by the bank that Experian was reporting the incorrect Social Security number. How do I verify the information that Experian has on file for me? -...

Update the Phone Number on Your Credit Report

August 27, 2014

Dear Experian, I need to update my phone number on my credit report. - MHN

Maintaining Your Credit History after Getting Married

August 27, 2014

Dear Experian, When I got married my husband put everything in his name (utilities, house, etc.). I still have two credit cards in my name. How can I maintain good...

Credit Reports Show Mortgage Loans not Home Ownership

August 27, 2014

Dear Experian, I bought a home a few months ago. How do I update my status to homeowner? - TFW

Payment Plans and Charge Offs on Your Credit Report

August 7, 2014

Dear Experian, I have a charge off from 2009. I am in a payment plan. Does this mean I started the clock over on when the charge off will be...

When Paid Accounts are Deleted from Your Credit Report

August 7, 2014

Dear Experian, How can an account I paid off and closed still be on my report? It has been there since 2008. - CBH

“Statement of Dispute” Delaying Mortgage Refinance

July 17, 2014

Dear Experian, We are refinancing our house. There was an account on my husband’s credit report that he had disputed at the time it was reported. It is still showing...

When Are Repossessions and Collections Deleted

July 2, 2014

Dear Experian, I had a repossession in July 2006, but on my credit report it states date reported January 2013. A collection agency owns the account now. When will it...

What to Do Before Initiating a Dispute

June 4, 2014

Dear Experian, How do I dispute an account on my report? Experian is showing an account open that has been closed for two years. - SCH

Late Payments During Mortgage Modification

May 29, 2014

Dear Experian, I have never been late with mortgage except the two months I was working on a mortgage modification with my mortgage company. I was told not to pay...