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Can I pay a lawyer to fix my credit?

August 4, 2016

If the information in your credit report is accurate and within the time frames to be reported, there is no one you can pay to get the negative information...

What is the difference between US credit reporting and UK credit reporting?

August 4, 2016

Experian is actually a British company and our global headquarters are in London, England. We have operations in almost 40 countries around the world. Our North American headquarters are...

If I settle a debt, do I request the creditor to remove the negative feedback from your credit report?

August 4, 2016

You can always ask a creditor to remove negative information from your credit report, but you will probably find they won’t do that. Under federal law, and their agreements...

How does credit work?

August 4, 2016

Credit is an agreement you have with a lender to obtain goods or services that you then pay for at a later date under agreed upon terms specified in...

Can you explain bankruptcy?

August 2, 2016

There are two types of bankruptcy that typically appear on a credit report – Chapter 13 and Chapter 7. Under Chapter 13 bankruptcy, you repay a portion of the...

If I miss a payment, when will it be reported late on my credit report?

August 2, 2016

You must miss a full billing cycle before a payment is reported late on your credit report. That is usually about 30 days. Your credit report actually shows that...

How do you start to rebuild your credit?

August 2, 2016

There are a number of ways to start to rebuild your credit. Here is a list of three things you can do: Have your rent payments reported to Experian...

Is there a way to consolidate debt without ruining your credit?

August 2, 2016

The term “consolidation” is used to describe two very different credit-related services. Consolidation loan The first type of consolidation is a debt consolidation loan. Essentially, you go to a...

How does a short sale affect credit?

August 2, 2016

The term short sale does not appear on a credit report. The term short sale describes negotiating settlement of your mortgage debt for less than originally owed. Rather than...

Does college tuition show up on a parent’s account or both?

August 2, 2016

Tuition itself is not reported to the national credit reporting companies. However, if student loans are taken out to pay the tuition, the student loans would appear on both...

Does everyone start out with the same credit score?

July 19, 2016

In essence, we all start out with no score at all (not zero). You don’t start with a perfect score and go down or start with zero and go...

Will your score go down if you check it?

July 19, 2016

Checking your own report and purchasing a credit score at or at, or subscribing to other credit monitoring services will never hurt your credit scores. A “soft”...