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Articles by The Experian Team

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

Notifying Experian of the Death of a Relative

March 13, 2015

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

Utility Payments and Your Credit Report

March 13, 2015

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...

Does Freezing Your Credit File Affect Other Accounts

February 6, 2015

Dear Experian, I just lost my driver's license and am considering putting a security freeze on my credit files. Would placing a freeze on my credit files interfere with me...

If You Use Credit, You Will Have a Credit Report

January 31, 2015

Dear Experian, How do I get all my information removed from Experian files and databases? I want zero affiliation with credit scores. I am comfortable with a credit score of...

Mortgage Modification Programs and Your Credit Score

January 31, 2015

Dear Experian, I am beginning a government-sponsored HAMP mortgage modification program. My lowered first three trial mortgage payments will be reported as "partial payments.” After the trial period they will...

Experian Credit Report Does Not Include Eviction

January 23, 2015

Dear Experian, An eviction is showing on my credit report, per the leasing company I submitted an application to. I have never received paperwork for an eviction, but when I...

Quitclaim Deed Does Not Override Contractual Obligation

January 9, 2015

Dear Experian, I recently had my credit checked for a preapproval on a new home purchase and found that my credit scores and my wife's had dropped from the high-700s...