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Articles by The Experian Team

Can a Paid Charged Off Account be Removed from the Report?

October 27, 2016

Dear Experian, What is needed to remove a charge off from your credit report if you pay the disputed amount? – HWM Dear HWM, Charged Off Accounts Not Removed...

Should I get a secured loan to build my credit?

October 25, 2016

Dear Readers, A secured loan is any loan that is backed or guaranteed by collateral. This means that if you default on the loan payments, the lender can take...

What is Debt Management?

October 18, 2016

Dear Experian, I have significant credit card debt and I’m considering a consolidation loan. Is this a good idea? What other debt management options are there? – JCB Dear...

I’ve defaulted on my student loans. Should I consider loan rehabilitation?

October 18, 2016

Dear Experian, I had some financial difficulty last year and defaulted on my student loan in an amount close to $5,000. I have the money to pay it off...

Can I Dispute Information Without Getting a Report from Experian?

October 13, 2016

Dear Experian, I have recently obtained my credit report from my bank and do not need one from Experian. How can I go about disputing an incorrect item on...

Can I Buy a Car with a Credit Card?

October 11, 2016

Dear Readers, We sometimes get asked whether you can buy a car with a credit card. As with most credit questions, it depends. The answer is that it depends...

How can I raise my credit score fast?

October 6, 2016

Dear Experian, I need to boost my credit score in a 1-2 month span to get a home loan. I currently have a 620 and I need a 680....

What is a cash advance? Will it hurt my credit to get one?

October 4, 2016

Dear Readers, We sometimes get asked what a cash advance is and if it can hurt credit reports and scores. A cash advance is essentially a short term loan...

What is installment credit?

September 29, 2016

Dear Experian, My friend has a poor credit score. She already has some credit cards as well as a personal loan with fixed monthly installments ending in next six...

Do You Have to Place a Fraud Alert with each Credit Reporting Company?

September 27, 2016

Dear Experian, I just filed an initial fraud alert with another credit bureau. Do I need to file an additional report with you? – DRP Dear DRP, No, you...

Should I get a personal loan to pay off my credit card?

September 22, 2016

Dear Experian, The balance on one of my credit cards is so high that making payments has been difficult. What’s the best thing to do with minimal damage to...

I have a large amount of debt from payday loans. What do I need to know about payday loan relief and debt consolidation?

September 20, 2016

Dear Readers, We sometimes get asked about payday loans and debt consolidation. Payday loans are short-term loans where an individual can borrow funds needed to cover unexpected expenses until...