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Articles by The Experian Team

Score Didn’t Improve After Bankruptcy Removed

July 17, 2016

Dear Experian, I recently had a bankruptcy removed from my credit report, but it didn't change my score. When or how do you update the credit score? - PLM

Requesting a Free Credit Report after Application is Denied

July 17, 2016

Dear Experian, I just had my credit run for a credit card and was denied. The lender said Experian was used to check my credit and I am entitled to...

Rumor to Leave Accounts Open is Correct

July 17, 2016

Dear Experian, My husband and I have several credit cards, all with limits under $1,500.00. We wanted to pay off and close the high-rate cards we don't use, because we...

Tax ID Numbers Do Not Replace Social Security Numbers

July 17, 2016

Dear Experian, I do not have a Social Security number. Instead, I have an EIN number. Does the EIN number replace a Social Security number when placing a fraud alert? -...

Buy-Here-Pay-Here Dealer Not Likely to Report Payments

July 17, 2016

Dear Experian, I bought a car from a buy-here-pay-here place and paid off the car in full. Can I add that to my credit report? - HOL

Free Credit Report After Being Declined

July 17, 2016

Dear Experian, I have been denied credit. Can I get a free copy of my credit report? - KHO

Changing Your Name on Your Credit Report

July 17, 2016

Dear Experian, I have changed my name through naturalization. How can I change my name in my credit report? - SLY

Should You Cancel Credit Cards You Don’t Use

July 17, 2016

Dear Experian, How do you get rid of too many credit cards even if you haven't used them for years? Also, some credit card companies are charging fees. How do...

How Long it Takes to Thaw Frozen Credit

July 17, 2016

Dear Experian, If I have thawed my credit, how long before I can apply for credit and it will be accessible? - SME

Impact of Missing One Mortgage Payment

July 16, 2016

Dear Experian, I admit I was late on one mortgage payment in 30 years, and my credit dropped 52 points. Is that normal for the credit industry, and am I...

Learn How to Read Your Credit Report

July 16, 2016

Dear Experian, Do you have online booklets explaining how you can read a credit report? - ECL

It Is Possible to Not Have a Credit Report

July 16, 2016

Dear Experian, Is it possible not to have a report? I am a resident since 2003! - NIC