Credit Advice

Ask Experian has been answering readers’ questions for more than 15 years. Hosted by Rod Griffin, Experian’s Director of Public Education. Ask Experian responses draw on the knowledge of Experian’s experts in credit reporting, credit scoring, direct marketing, automotive history, identity theft and other areas from across the company. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. The information contained in Ask Experian is for educational purposes only and is not legal advice. For more information see the footer below.

What If I Can’t Pay Back a Payday Loan?

March 23, 2017

Dear Experian, I had a payday loan I took out in 2011. I became unable to work and had to have surgery in 2012. I began attempting to repair...

How Do I Find out Who I Owe Money To?

March 9, 2017

Dear Experian, How can I find out who I owe? I would like to know so that I can pay off my debt and clear up my credit. –...

Can I Apply for Credit Cards After Declaring Bankruptcy?

March 8, 2017

Dear Experian, Can I apply for credit cards after declaring bankruptcy? What kind of credit card might I qualify for? I am trying to rebuild my credit. – GSP...

Can Opting-Out of Pre-Approved Offers Help My Credit Score?

March 2, 2017

Dear Experian, Do inquiries for preapproved offers damage your credit report? I am trying to make an informed decision on whether to opt out of these solicitations. – HNS...

Negotiating a Settlement Amount on an Account in Good Standing

February 28, 2017

Dear Experian, My mother offered to pay off my private student loans. The account is in good standing, but I am negotiating to pay an amount less than the...

What Happens If I Don’t Pay My Credit Card Bill?

February 23, 2017

Dear Experian, What would happen if I didn’t pay my credit card bill, but I pay all my other bills on time every month? Would it still hurt my...

How Long Does It Take to Repair Your Credit?

February 21, 2017

Dear Experian, How can I remove collections and late payments and repair my credit report? How long does it take? I would like to buy a house in four...

Can You Negotiate Credit Card Debt?

February 16, 2017

Dear Experian, I am completely overextended with credit card debt but pay my bills on time. If I call a credit card company and negotiate a settlement or lower...

When Will a Paid Judgment Be Removed?

February 14, 2017

Dear Experian, I paid a civil judgment in full this year. Will that ever be off my credit report? It shows the amount owed is $0, but it still...

I’m Thinking About Consolidating My Debt. Is That a Good Idea?

February 9, 2017

Dear Experian, Is it a good idea to obtain a personal loan to consolidate or pay off credit card debt? I currently pay approximately $800 a month to credit...

Can You Pay Your Student Loans with a Credit Card?

February 7, 2017

Dear Experian, I am on disability income but have not yet been able to get my student loans forgiven. If am unable to get them forgiven, can I take...

Audio: Talking Couples and Money with Elle Martinez

February 6, 2017

Join our chat with Elle Martinez of Couple Money to learn more about how she recommends people start having a couples' money chat – and when.