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Articles by The Experian Team

How to Temporarily Lift a Security Freeze

March 13, 2014

Dear Experian, I need to lift the security freeze for 24 hours to buy a car. How do I do that? - PDT

Debt Discharged in Bankruptcy Showing on Credit Report

March 13, 2014

Dear Experian, How can a debt that was dismissed during a bankruptcy almost four years show up now on the credit report as derogatory? Can we appeal to have it...

Why Your Credit Score May Be Low

February 26, 2014

Dear Experian, I only have one debt which is less than $1,000. I also have two credit cards. Together they have a balance of about $2,000 each month, but I...

You Might Owe on Your Mortgage after Bankruptcy

February 26, 2014

Dear Experian, I want to know if I still owe my mortgage company after filing Chapter 13 bankruptcy. When I filed I was in foreclosure, and they said I owed...

Voluntary Surrender Could Harm Credit Scores

February 26, 2014

Dear Experian, I recently co-signed for someone, and our relationship ended. They gave me the truck back and said they no longer wanted it. I have a car payment myself,...

How to Correct an Address in Your Credit Report

February 26, 2014

Dear Experian, I need to dispute an incorrect mailing address on my credit file. What is the process to correct my address? - FLR

Car Returned under Service Member Relief Act is a Voluntary Repossession

February 12, 2014

Dear Experian, I am in the military and currently serving in Afghanistan. Prior to my departure I turned in my car lease under the Service Member Relief Act. When I...

Lack of U.S. Credit History Can Affect Finances

February 12, 2014

Dear Experian, I'm a visiting J1 exchange professor at the University of Hawaii, and I'm being asked by the Hawaiian Electric company to pay a pretty hefty deposit for service...

How to Check if Your Child Has a Credit Report

February 12, 2014

Dear Experian, How do I check to see if my children have open credit reports? The form requires a driver's license number, which they do not have. - WMV

When Are Short Sales Deleted from Credit Report

February 5, 2014

Dear Experian, How long is a short sale on your credit report? We did a short sale in December 2010, and it is still on our credit report. - SPG

Two Collections Agencies Reporting the Same Item

January 29, 2014

Dear Experian, I have two collection agencies reporting the same item. If I pay the current collection company will both of them be updated as paid in full or do...

Closed accounts will remain in credit history for up to 10 years

January 15, 2014

Dear Experian, How do I have old credit card accounts that are long ago closed or paid off removed from my credit report? I know that my score is negatively...