Quiz: Your Holiday Spending Profile

Are you king of the holiday budget, or are you more of a true Scrooge? Test your knowledge of holiday spending and ID theft here.

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Defining Charged Off, Written Off, and Transferred

July 18, 2016

Dear Experian, What are the definitions of charged off, written off and transferred? - CPL

The Difference Between VantageScore and FICO Scores

July 18, 2016

Dear Experian, What is the difference between a “Plus” score and a “FICO” score? On a June credit report from Experian my Plus score was 790 (330-830), while my FICO...

NSF Checks on a Credit Report

July 17, 2016

Dear Experian, How long do non-sufficient funds checks (NSF's) stay on your credit report? - LLS

Potentially Negative Items Listed on Credit Report

July 17, 2016

Dear Experian, How can I get my credit score up? It seems to keep going down, and I have paid almost everything off. Also, if an account is paid in...

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...

When Are Closed Accounts Deleted

July 17, 2016

Dear Experian, Will the closed account ever be removed from my credit report? - OWE

Score Didn’t Improve After Bankruptcy Removed

July 17, 2016

Dear Experian, I recently had a bankruptcy removed from my credit report, but it didn't change my score. When or how do you update the credit score? - PLM

Requesting a Free Credit Report after Application is Denied

July 17, 2016

Dear Experian, I just had my credit run for a credit card and was denied. The lender said Experian was used to check my credit and I am entitled to...

Rumor to Leave Accounts Open is Correct

July 17, 2016

Dear Experian, My husband and I have several credit cards, all with limits under $1,500.00. We wanted to pay off and close the high-rate cards we don't use, because we...

Tax ID Numbers Do Not Replace Social Security Numbers

July 17, 2016

Dear Experian, I do not have a Social Security number. Instead, I have an EIN number. Does the EIN number replace a Social Security number when placing a fraud alert? -...

Buy-Here-Pay-Here Dealer Not Likely to Report Payments

July 17, 2016

Dear Experian, I bought a car from a buy-here-pay-here place and paid off the car in full. Can I add that to my credit report? - HOL

Free Credit Report After Being Declined

July 17, 2016

Dear Experian, I have been denied credit. Can I get a free copy of my credit report? - KHO