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Articles by The Experian Team

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...

How Often Does Your Credit Score Change?

September 13, 2016

Dear Experian, Why doesn’t my credit score update or change? The last date on my credit score says September 2014. I have been working hard since then to bring...

How to Start Building Credit

September 6, 2016

Dear Experian, I’m currently a college student. How do I start building credit? Is having a credit card enough to establish credit while being a college student? –          KMA...

Should I Cancel My Credit Card? Will Doing So Hurt My Credit?

September 1, 2016

Dear Experian, I just opened a new credit card and I’m trying to learn more about how credit cards affect my credit score. I believe I have four credit cards...