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Articles by The Experian Team

Remove Incorrect Employment Information from Credit Report

July 31, 2015

Dear Experian, There is a previous employer listed in my credit report that I have never heard of nor worked for. How might this impact my credit rating, and how...

How to Lift a Security Freeze

July 25, 2015

Dear Experian, How do I lift my freeze in your company? - GSN

The Effects of Disputing Charges on a Credit Card

July 24, 2015

Dear Experian, Will disputing a charge on my credit card affect my credit? Can the company with which I am in dispute give me a bad credit report? My phone...

Credit Scores are Not Included in Credit Reports

June 1, 2015

Dear Experian, I got my credit report, but where is my credit score? How do I get it? - JLE

Credit Report is Mixed with a Family Member’s

May 4, 2015

Dear Experian, It appears that my credit report is being mixed with my cousin’s. I have requested a copy of the report by mail, but received a letter that the...

How to Report Identity Theft and a Fraudulent Tax Return

May 3, 2015

Dear Experian, Someone tried to file an income tax return using our names and Social Security numbers, so I need to report identity theft to Experian. How do I...

Does Getting Declined Affect Your Credit

April 27, 2015

Dear Experian, I have requested a credit line increase from my credit card company three times, and have been declined each time. Does this affect my credit history? - GSR

The Effect of Delinquencies During a Short Sale

April 24, 2015

Dear Experian, Will it have more of an impact on my credit report if I stop making my mortgage payments and become 90 days or more delinquent during a short...

Using Credit Cards to Establish Your Credit History

April 11, 2015

Dear Experian, I have been approved for two credit cards with two different limits and interest rates. One offers cash back rewards. I am trying to build my credit....

Updating an Account to Show “Paid in Full”

April 9, 2015

Dear Experian, I traded in a car and the dealership paid the remainder of the account balance. When will the account show on my credit report as paid in...

Credit Accounts May Not Appear on Credit Report

April 9, 2015

Dear Experian, Why does my good credit not show on my credit report? - WRB

What Does “Key Derogatory” Mean?

April 7, 2015

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