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Articles by The Experian Team

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

How Long to Recover Credit After Paying a Tax Lien

September 12, 2013

Dear Experian, I am currently paying off a state tax lien. After the tax lien has been paid in full, how long will it take for my credit to be...

Becoming a Guarantor of Joint Account Holder for a Loan

September 12, 2013

Dear Experian, I want to help my son, a recent graduate, build good credit. He wants to buy a used motorcycle. I was willing to guarantee the personal loan, but...

Can Individual Taxpayer ID Number Be Used on Credit Report

September 12, 2013

Dear Experian, I’m trying to request a dispute on my credit report, but it asks me for a credit report number. I have tried to request my annual free report...