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What the term “derogatory” means in a credit report

Dear Experian,

I have something showing on my credit report called derogatory. Can you please explain to me what that means?


Changing the telephone number in a fraud alert

Dear Experian,

How do I go about changing my telephone number? Creditors have denied me credit because the phone number on my alert is not updated. How do I remove a fraud alert?


Name change should not cause loss of your credit history

Dear Experian,

I have had a name changed, but kept the same Social Security number. However, when getting a credit card I was declined due to having no credit history. My prior name had credit history. Do you know why this would happen?


Requests for your credit history

Dear Experian,

How do I find out who has looked at my credit report?


Disputing an incorrect address on your report

Dear Experian,

There is an address on my credit report at which I never resided. How do I get that removed or corrected?


Accounts may be reported even without Social Security number

Dear Experian,

Can a credit agency post something on my credit report without my Social Security number?


What is a Credit Score?

What is a Credit Score? A credit score is a number calculated using information from your credit history. The payment history information comes from information reported to credit reporting agencies. Credit scores represent your creditworthiness and indicate the likelihood that you will repay a debt as agreed. They are widely used by lenders. If you have car […]

How can I correct errors on my credit report?

The first step in disputing something in your credit report is to get a copy of your report directly from Experian. ‣ How can I get my credit report? If your dispute is in relation to declined application for credit, the lender will provide instructions for getting a report from the credit reporting agency that provided the […]

How can I improve my credit?

Create a Positive Credit History Your credit report shows how well you managed your financial responsibilities during a certain time period. Negative information drops off over time, but the positive information remains. To establish a positive credit history and help improve credit scores: Consistently use your complete name. Providing complete, accurate and consistent identification on your credit […]

Judgment will still appear on report once satisfied

Dear Experian,

I had a judgment filed against me in June of 2010. When I found out, I contacted the bank and settled with them. Why does it still show a judgment on my credit report?


Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.