Credit Advice » Life Stages

Life Stages

Your credit history doesn’t instantly spring to life one day; it grows with you over time and changes as you go through different life stages. Many life events can affect your credit, including:

  • Renting an apartment
  • Student loans
  • Employment
  • Marriage
  • Divorce
  • Kids
  • Death of a relative
  • Joint accounts

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...

How Long Does It Take To Build Credit

August 9, 2016

Dear Experian, How long does it take to build credit? – ALM Dear  ALM, Building a positive credit history takes time. There is no quick fix and no way...

Refusing to Cosign on a Loan to Protect Credit

July 17, 2016

Dear Experian, I am trying to get a student loan, but my parent's refuse to cosign because they fear cosigning for my student loan will affect their credit score, thus...

How Student Loans are Reported on Your Credit Report

August 20, 2015

Dear Experian, I have an account number that was reported late for student loans. I did not realize the amount due had changed, so I continued to send the...

Using Credit Cards to Establish Your Credit History

April 11, 2015

Dear Experian, I have been approved for two credit cards with two different limits and interest rates. One offers cash back rewards. I am trying to build my credit....

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

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...

Maintaining Your Credit History after Getting Married

August 27, 2014

Dear Experian, When I got married my husband put everything in his name (utilities, house, etc.). I still have two credit cards in my name. How can I maintain good...

Removing Ex-Spouse’s Address from Credit Report after Divorce

May 2, 2014

Dear Experian, My credit report shows two addresses for my former husband, who moved to Virginia. I have lived in Illinois for 36 years. I was able to dispute one...

Student Loans and Your Credit Report

March 27, 2014

Dear Experian, My student loans are affecting my credit. Why? - NCB

How to Check if Your Child Has a Credit Report

February 12, 2014

Dear Experian, How do I check to see if my children have open credit reports? The form requires a driver's license number, which they do not have. - WMV

Paid Student Loans Listed by Semester and Your Credit

January 1, 2014

Dear Experian, I have student loans on my report with different amounts but the same account number. They are all under accounts in good standing. I think that they are...