Report Advice
What you need to know about this crucial financial document

How utilization rate affects credit scores

Posted on Oct 30 2013 by

Dear Experian,

I have been led to believe that a component of one’s overall credit score is the ratio of current credit card balances to one’s total available credit. If one had three credit cards, is each card’s ratio calculated individually, or is it one’s total credit card balance compared to one’s total available credit? Also, I’ve heard that the important thresholds are 30 percent and better yet, 10 percent; is that correct?

– RLS

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Changing your address on your credit report

Posted on Oct 30 2013 by

Dear Experian,

How do I change my address on my credit report?

– GLP

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National Protect Your Identity Week reminds us to be proactive in preventing fraud

Posted on Oct 24 2013 by

As National Protect Your Identity Week (Oct. 20–26) nears an end, think about how you can actively protect your identity. Here are several ways to use your credit report to identify unauthorized activity and stop possible identity fraud before suffering potential financial loss.

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Establishing credit before going to college

Posted on Oct 09 2013 by

Dear Experian,

I am a 19 year old college student trying to establish credit early, and it would be helpful throughout college to have a low limit credit card just in case. Also, I am trying to get a car loan, and I know I need to use credit to gain credit. I applied for a credit card through my bank and was declined. I also applied for a student credit card and was declined again. How am I supposed to establish a credit history if I can’t get approved for anything? My parents are just starting to rebuild their credit themselves. Is there any way that I can establish credit without having to have somebody cosign for me?

– FCS

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The meaning of “key derogatory” as a credit score factor

Posted on Oct 09 2013 by

Dear Experian,

What does “Key Derogatory” mean?

– RTC

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How to request a credit report if you are incarcerated

Posted on Oct 09 2013 by

Dear Experian,

How does an inmate go about getting a credit report? Where can he get the proper forms to fill out without access to the internet?

– NTP

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Collection efforts can continue after the account is removed from your credit report

Posted on Sep 27 2013 by

Dear Experian,

Can a charged off account on your credit report that was opened in 1999 and closed in 2010 be sold to another collection agency and then be given to an attorney to get payment from me?

– LVM

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Income is not part of a credit report

Posted on Sep 27 2013 by

Dear Experian,

I’d like to complete my income information on my credit report. How can I do this?

– RYD

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Collection agency may request a report without your permission

Posted on Sep 27 2013 by

Dear Experian,

Can a collection agency request your credit history without your consent? I have one on my report under “inquires shared with others” in which I did not consent.

– LDA

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Student loans may appear in credit report while in deferment

Posted on Sep 27 2013 by

Dear Experian,

How long does it take after student loans are out of deferment for them to show up on a credit report?

– LSM

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The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.