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Articles by The Experian Team

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...

When is Bankruptcy Removed from Your Credit Report

January 4, 2015

Dear Experian, I filed bankruptcy in 2005. It is still showing on my credit report – in 2014. How do I get it removed? - ...

Divorce Agreements and Credit Reports

December 28, 2014

Dear Experian, My divorce agreement requires that I write a letter to the credit agencies stating that all pre-marital debt on my report is my responsibility. Where should I send...

Dispute Fraud Charges on Compromised Credit Card Account

December 24, 2014

Dear Experian, We got our credit card information stolen when they hacked into a major retailer’s system. The fraud charges caused our credit card balance to go over the limit....

Why You May Need to Mail Your Credit Report Request

December 20, 2014

Dear Experian, I could not get my report online. It said I had to request it by mail. How and what do I do to do that? - ...