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Building Credit

Your credit information reflects how well you’ve managed your financial responsibilities in the past, and indicates to lenders and others how responsible you’ve been with your credit. It’s no secret that there can be big rewards in store when you handle your credit obligations well over an extended period of time. Having a solid credit […]

Federal Credit Reporting Act (FCRA)

FCRA Rights   Para informacion en espanol, visite o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. A Summary of Your Rights under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. […]

My Credit Report

What is a Credit Report? Your personal credit report contains details about your financial behavior and identification information. This user-friendly report is sometimes called a credit file or a credit history. Experian® collects and organizes data about your credit history from your creditor’s and public records. We make your credit report available to current and […]

Improve Your Credit Scores

It might just be the most common credit question: how can I improve my credit scores? When you discover one of your scores has dropped below where you think it should be, it’s usually an unpleasant surprise, especially if you haven’t been checking your credit regularly. But it doesn’t have to be a permanent state. […]

Credit Repair

‘Credit repair’ might be a term you’re familiar with: you’ve seen it promised in a commercial, or flashing in an online ad. While companies may seem to promise all kinds of quick fixes, knowing what they can really do – as well as their limitations – is very important. Credit repair companies may make an array of […]

Bad Credit History and Repair

How to Improve a Bad Credit History A bad credit history leads to bad credit scores Improve your credit scores to get better interest rates Mistakes on a credit report can be fixed Why Your Credit History Is Critical Your history tells creditors about behaviors that can add up to a “good” or “bad” credit rating. […]

What is a Good Credit Score?

What if your credit was something you were truly proud of? What if it inspired the confidence to help you pursue your dreams of owning a home, opening a side business, or traveling the world? Good credit is a term that many people use, but one that has a different meaning for all of us […]

Understanding the term “key derogatory”

Dear Experian,

What does “KD” mean, and how long does it stay on your record before being deleted?


Notifying Experian of the death of a relative

Dear Experian,

My mother died recently, how do I get her information into your data bank?


Utility payments not part of your credit report

Dear Experian, Can I improve my scores by providing you with letters of credit from my utilities? –  DPH   Dear DPH, Experian cannot add accounts to a credit report using letters from your utility company. In order to include account information, the utility company must meet the requirements of the Fair Credit Reporting Act […]

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The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.