Credit Education

Understand, Build and Manage Your Credit. Credit plays an important role in your life – affecting the purchases you make and much more. The more insight you have about credit, the easier it is to strengthen your financial well-being. Learn how to successfully manage your credit rating and protect against credit card fraud.

  • Credit Report Basics

    • My Credit Report

      Your personal credit report contains details about your financial behavior and identification information. You can learn more about your credit report here.

    • About Checking Your Credit Report

      You should check your credit report before making a big purchase. Find out what you need to know about checking your credit report here.

    • Understanding Your Experian Credit Report

      Understand the different types of information that is in your Experian credit report, with explanations broken down by section.

    • Credit Repair: How to “Fix” Your Credit

      There isn’t anything that a credit repair service is able to legally do for you — even removing wrong information — that you can’t do for yourself for little or no expense.

    • Collections on Your Credit Report

      If the collection information is valid, you must wait 7 years from the original delinquency date, and if it is inaccurate, you can file a dispute.

    • Improving Credit

      Find out what’s on your credit report and the steps you can take to establish a positive credit history and improve your credit.

    • Establishing Business Credit

      If you own a small business, there may be a business credit report in your name. Learn more about business credit reports and establishing business credit.

    • Fair Credit Reporting Act (FCRA)

      The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

    • Account Status Glossary

      Learn more about the different types of status on a credit report and what they mean, including negative items that could impact your credit.

  • Credit Score Basics

    • What is a Good Credit Score

      Most credit scores fall between 600 and 750. A score above 700 usually suggests good credit management. Find out more about good credit scores here.

    • Understanding Credit Scores

      A credit score is a number lenders use to help them decide how likely it is that they will be repaid on time if they give a person a loan or a credit card. Click to learn more.

    • Bad Credit History and Rating

      What should you do if you have a bad credit history or rating? Find out the steps you should take to improve your credit.

    • Improve Credit Score

      Ready to improve your credit score? Click here to find out how to improve your score and how long it will take before you see a change.

    • My Credit Score

      Your credit score can help determine whether or not you qualify for a credit card or loan. Learn how your credit score is calculated and why it matters to lenders.

    • What is a Credit Utilization Rate?

  • Preventing Fraud

    • What is Credit Fraud

      Credit fraud is a broad term for the use of a credit card (or any comparable type of credit) to buy goods or services with the intention of evading payment. Click to find out more.

    • Fraud Prevention

      Experian is committed in helping consumers with fraud and with protecting consumer credit information. Learn more about fraud prevention here.

    • Victim Assistance

      Find out the steps you should take if you notice something unfamiliar or suspicious on one of your accounts or if someone commits fraudulent activity using your identity.

    • Fraud FAQs

      Find answers to commonly asked questions about fraud, identity theft, fraud alerts, security alerts, recognizing fraud, victim statements and more.

    • Fraud Resources

      View contact information and resources for assistance with matters of fraud. Find out who to contact based on the type of fraud or suspected fraud you’ve experienced.

  • Life Events

    • How to Build Credit

      Find out the steps you can take to build your credit history. Get tips for using credit and advice for first-time credit seekers.

    • Marriage and Credit

      While you and your spouse each have separate credit reports and scores, joint accounts can impact both of you. Learn more about marriage and credit here.

    • Divorce and Credit

      How does divorce impact your credit? Click to learn more about credit and divorce and find tips for maintaining a positive credit history.

    • Death of a Spouse

      Managing your credit in the event of a death can be difficult, especially if your spouse held most of the credit in his or her name. Find advice and resources here.

    • Purchases

      Your credit report and credit score can be big factors in purchase decisions. Learn how you can prepare for life’s major purchase events, like buying a home.

    • Bankruptcy: How it Works, Types & Consequences

    • Debt Consolidation: Credit Cards and Loans

    • Employment

      Federal law allows potential and current employers to view a modified version of your credit report for employment purposes such as hiring or promoting. Find out more.

    • Planning for Retirement

      Make sure you’re set for a happy retirement. Click here for advice about your credit, Social Security, and retirement planning.

  • Preapproved Credit Offers

    • Mailing Lists

      Find out how you might end up on a mailing list for pre-approved credit card offers. Learn more about your consumer rights.

    • Opt Out

      You may choose to exclude your name from credit reporting agency lists for unsolicited credit and insurance offers. Learn more about what it means to “Opt Out” here.

  • FAQs

  • Blog

    • Credit Info

      Read our latest blog posts about credit reports and credit scores. Find credit infographics, news, and tips.

    • News & Trends

      Click here to read credit news and trends. Read our latest survey results or read how a new law may impact you.

    • Protecting Your Identity

      Get tips and advice on how you can protect your identity and prevent fraud. View our infographics and articles for tips to keep your identity safe.

    • Personal Finance

      Read our most recent blog posts about personal finance. Find the latest news and tips about budgeting, planning, and more.

    • Video

      Check out our video section to learn more about credit reports and credit scores from interviews with finance and consumer industry experts.

    • Audio

      Listen to podcasts to find out more about credit and finance from interviews with personal finance and credit experts.

    • Community

      Find out what the Experian community is talking about. Click to learn more about live chats and upcoming credit Q&As on social media.

Review Your Free Experian Credit Report Today

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