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Articles by The Experian Team

Late Payments on Credit Report after Declaring Bankruptcy

September 12, 2013

Dear Experian, How can I get late payments removed for items that were included in bankruptcy? - NPN

Opting Out Will Not Cause Your Credit Report to Disappear

September 10, 2013

Dear Experian, I've recently been denied credit because my credit information is either missing or unavailable. Does this have anything to do with the fact that I elected to "opt...

Identity Theft Can Lead to Jail

September 10, 2013

Dear Experian, Can a person actually go to jail for identity theft? I was just curious if someone can actually get in trouble for it, or if people just get...

Sharing a Merged Report with a Mortgage Customer

September 10, 2013

Dear Experian, Is it now OK to release a customer’s tri-merge report to the customer? The tri-merged report was pulled to apply for a home loan through the seller and...

Car Accidents Do Not Affect Your Credit Report

September 10, 2013

Dear Experian, Does having a car accident hurt your credit score? - OYD

When You Can Get Free Credit Reports

September 10, 2013

Dear Experian, If I were denied credit recently, am I able to get a free copy of my credit to see what's on it? I've already had my free credit...

Cosigners are Responsible for Debt Repayment

September 10, 2013

Dear Experian, I cosigned a loan with my son. He is not making payments, and it will be turned over to a collection agency soon. Other than this circumstance I...

Impact of a Short Sale when Mortgage Not Deliquent

September 10, 2013

Dear Experian, With the declining value of property, sellers are caught in the position of having to short sale on properties for which the sellers are not delinquent. How does...

Bad Credit Even Though Bills are Paid on Time

September 10, 2013

Dear Experian, Why is my credit bad? I paid every thing on time. - WOD

Auto Loan Inquiries and Credit Scores

September 10, 2013

Dear Experian, We are going to purchase a car and would like the car dealer and two banks to check for interest rates. How does that ding my score, or...

Credit Challenges When You Share a Name

September 10, 2013

Dear Experian, I am writing from an employee assistance program company. We help employees find answers and resources to deal with various personal problems. An employee from one of our...

Impact of Fraud Alerts when Checks and Debit Cards are Stolen

September 10, 2013

Dear Experian, My debit card and checks are being taken without my knowledge and being used. What can I do to protect myself? To stop everything the bank charges you...