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Articles by The Experian Team

Impact on Credit Scores of Inquiries for an Auto Loan

July 12, 2016

Dear Experian, I run an auto dealership that sells luxury automobiles. I understand that multiple inquiries within a "shopping" timeframe do not hurt an individual's credit score. Can you explain...

Going over the Limit on Your Credit Card

July 12, 2016

Dear Experian, What happens if your credit card goes over your limit? What are the best options in your opinion? - JNT

The Effects of Charging Over Your Credit Card Limit

May 19, 2016

Dear Experian, I was surprised to see my credit card was reported over the limit by $19 within five days of the charge occurring. Even though it was paid...

How to Request a Credit Report When You Are Incarcerated

January 18, 2016

Dear Experian, My fiancé is incarcerated and he wants a copy of his credit report. What can I do to help him get one? We have tried the site...

How to Obtain a RentBureau Report

January 3, 2016

Dear Experian, How do I get a free consumer report from Experian RentBureau? My landlord has found incorrect information on the service he uses. - TNY

Credit Monitoring and Fraud Protection

December 27, 2015

Dear Experian, I want fraud protection, but I also want to know my FICO score and have credit monitoring. Is there a program that I can get all of that? ...

Previous Mortgage Still Appearing on Credit Report

December 19, 2015

Dear Experian, We refinanced our home with a different lender and my credit report is showing I have two mortgages. How long will it take for the lender that was...

Credit Counseling vs. Debt Settlement

December 7, 2015

Dear Experian, What is difference between credit counseling and debt settlement? - CKB

Remove Authorized User Accounts from Credit Report

November 23, 2015

Dear Experian, Is an authorized user responsible for the debt? If an authorized user is removed from the credit card, can the credit card also be removed from the...

How to Remove an Incorrect Address from Your Credit Report

September 30, 2015

Dear Experian, An address for my bankruptcy lawyer suddenly appeared on my credit report as a single family residence and you won`t let me remove it. It says to contact...

Paid Auto Loan Remains on Credit Report

September 6, 2015

Dear Experian, When checking my credit report, I noticed that my old auto loan was still on the report. I had received a letter from them months ago saying the...

Dealership Pulled Copy of Credit Report in Error

August 24, 2015

Dear Experian, I recently found out that a car dealership pulled a hard inquiry on my credit without my consent. I also had a password protected account with them. The...