Dear Experian,

How can you improve your credit score if you don’t have any credit cards?

- HQB

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Dear Experian,

I have been applying for work at employment agencies. They want my permission to conduct a credit check. My concern is that I was told in the past that if too many people are doing credit checks on me, it signifies a problem and can reduce my credit scores. Is that true?

- CICc

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Dear Experian,

My daughter applied for a student credit card but was turned down due to insufficient income and excessive obligation. She had no previous credit history. Does this create a credit history, and is it now adversely affected?

- JTL

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Dear Experian,

Does having a joint checking account bring down a person’s credit score?

- WAG

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Dear Experian,

I was told that every time you get turned down for credit that your score goes down. Is this true?

- STI

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Dear Experian,

I am trying to rebuild my credit. Is it better to keep a zero balance on the credit cards that I have recently paid off or keep a small amount and pay them off each month? I still have some credit cards that have a balance on, which I plan on paying off completely. I would just like to know the best way to raise my credit score.

- LLO

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Dear Experian,

How can I find out what accounts are hurting my credit?

- RBR

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Dear Experian,

Can I dispute the score? I have a creditor that hasn’t reported me current on several opened accounts. I show current with Experian and one of the other credit agencies but there is no account data with the third. I show the lowest score from them.

- NTA

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Dear Experian,

I withdrew an application for credit from a national bank on the same day of my request. They still sent me the packet, and then several days later they sent me a declined notice. Does this affect my credit score?

- CHR

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Dear Experian,

I just paid the last bill off my credit in May of this year. If there is nothing else for me to pay how does my credit score increase?

- ABR

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Dear Experian,

I have many small revolving store credit cards with no balance on them. How can I close them without it hurting my credit?

- ENB

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Dear Experian,

I obtained my free annual credit report a few days ago, but didn’t purchase the score. I am not interested in obtaining the score. If I purchase a credit score does it give my credit a double hit? Also, when you obtain your score, does your score get lowered, and if so by how much?

- MHO

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Dear Experian,

I have been rebuilding my credit and would like to purchase a motorcycle and an engagement ring. If I apply for credit and get denied will my credit score go down and how long will the two remain on my credit report?

- ENB

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Dear Experian,

I have good credit. My brother’s credit is bad due to the recession and losing his job. I am letting him use my credit card, which he is paying on time. What would happen to my credit scores if I added his name and info to my credit card? What would happen to his credit scores?

- LMT

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Dear Experian,

Why does my credit score jump around so much when I don’t have much activity?

- SGD

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Dear Experian,

I have a friend who took out a personal loan just so she could build up her credit. She’s nearly 40 with no credit. She still has six months of payments to make on it. I was wondering if it is bad to pay it off early or does that help her?

- JNS

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Dear Readers,

VantageScore Solutions, a company that produces a credit score developed as a joint venture among the three national credit reporting companies and Consumer Federation of America an association of non-profit consumer organizations established in 1968, just announced the results of a survey that gauged consumer awareness of credit scores and recent changes to the credit scoring industry.

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Dear Experian,

I have paid everything off, except for one dispute. Why has my credit score not improved?

- RRD

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Dear Experian,

How often should you check your credit score?

- AAN

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Dear Experian,

If I ask for a credit line increase on my credit card, part of the credit card process is to do a credit check with Experian. Does this type of credit inquiry affect my credit score?

- RYC

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Dear Experian,

Can I see what my score is now and what it was last year?

- LOU

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Dear Experian,

What is worse, having several credit cards in collection or having a bankruptcy on your credit report?

- JUA

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Dear Experian,

I lost my job two years ago and have had a bad patch paying my bills. My credit score dipped substantially. I managed to get on plans with my late accounts and am on track to be debt free in about three years. Can my score ever improve?

- THO

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Dear Experian,

I teach seniors in high school. They want to know what a beginning credit score would be if you’ve just turned 18 and you are applying for your first credit card.

- RRY

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Dear Experian,

Does it affect my credit score if I pull my own credit report more than twice a month?

- LAK

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