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Articles by The Experian Team

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...

Changing Your Address on Your Credit Report

October 30, 2013

Dear Experian, How do I change my address on my credit report? - GLP

Be Proactive in Preventing Fraud

October 24, 2013

As National Protect Your Identity Week (Oct. 20–26) nears an end, think about how you can actively protect your identity. Here are several ways to use your credit report...

Collection Efforts Can Continue After Account is Removed

September 27, 2013

Dear Experian, Can a charged off account on your credit report that was opened in 1999 and closed in 2010 be sold to another collection agency and then be given...

Updating Income on a Credit Report

September 27, 2013

Dear Experian, I’d like to complete my income information on my credit report. How can I do this? - RYD

Collection Agency May Request Report without Permission

September 27, 2013

Dear Experian, Can a collection agency request your credit history without your consent? I have one on my report under "inquires shared with others" in which I did not consent. -...

Student Loans on Credit Report While in Deferment

September 27, 2013

Dear Experian, How long does it take after student loans are out of deferment for them to show up on a credit report? - LSM