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.

How Does Being an Authorized User Affect My Credit Score?

May 18, 2017

Dear Experian, How does being an authorized user affect my credit? The account is in good standing and has a long history, but a high — 85 percent —...

What Is a Credit Builder Loan?

May 16, 2017

Dear Experian, My credit score is very low. I have no credit history other than recent hospital bills on my credit report. I get denied for everything: bank loans,...

How Can I Get Inquiries Deleted from My Report?

May 9, 2017

Dear Experian, I have 19 inquiries on my credit report from Experian. I have been declined for credit cards three to four times in the recent past. The reason...

Can You Build Credit with a Debit Card?

May 4, 2017

Dear Experian, I’m trying to establish a positive credit history. I’ve been paying my power bill and my telecommunications, internet and cable bills on time every month for over...

Does Opening a Credit Card Hurt Your Score?

May 2, 2017

Dear Experian, I have one credit card that I use as my main card most of the time. I also have two airline cards that I rarely use. I’m...

Does An Overdraft Hurt Your Credit?

April 27, 2017

Dear Experian, My bank closed my account due to more than $400 in overdraft fees. I paid all I owe and re-opened my account. Will this hurt my credit?...

What to Do If You Cannot Access Your Online Credit Report

April 25, 2017

Dear Experian, A friend of mine has been out of prison for five months and is trying to get his credit report. He has his identification card and Social...

What Is the Highest Credit Score Possible?

April 20, 2017

Dear Experian, My credit score is excellent, but I want the highest score that is available. What is the highest credit score possible? – BHB Dear BHB, The highest...

Is It Better to Pay off My Credit Card in Full Every Month or to Maintain a Balance?

April 18, 2017

Dear Experian, Is it better to pay off the entire balance on a credit card each month, or to always leave a small balance to carry over? – OHR...

How Can I Remove Incorrect Information From My Credit Report?

April 11, 2017

Dear Experian,I have an issue on my credit report that I believe came about when I traded my vehicle in for a new one. The creditor who held the...

Should I File for Bankruptcy?

April 6, 2017

Dear Experian, I have multiple charged off accounts and want to know if I should file bankruptcy or try to pay off the debt? I owe quite a bit....

How Do I Get a Good Credit Score?

April 4, 2017

Dear Experian, I was checking my credit score this month and can see my score came down. It gave the reason “% of balances to credit limits is too...

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