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7 Things You Need to Know Before Freezing Your Credit

Thinking about freezing your credit? Find out the seven things you should consider before taking any action.

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I’m Thinking About Consolidating My Debt. Is That a Good Idea?

February 9, 2017

Dear Experian, Is it a good idea to obtain a personal loan to consolidate or pay off credit card debt? I currently pay approximately $800 a month to credit...

Can You Pay Your Student Loans with a Credit Card?

February 7, 2017

Dear Experian, I am on disability income but have not yet been able to get my student loans forgiven. If am unable to get them forgiven, can I take...

Audio: Talking Couples and Money with Elle Martinez

February 6, 2017

Join our chat with Elle Martinez of Couple Money to learn more about how she recommends people start having a couples' money chat – and when.

Does Applying for Credit Cards Hurt Your Credit?

February 2, 2017

Dear Experian, Do credit card inquiries hurt you long-term? If I apply for credit and am denied, how many points will my score drop? – PYL Dear PYL, It’s...

Will I Be Able to Get a Mortgage Loan After Declaring Bankruptcy?

January 31, 2017

Dear Experian, I filed Chapter 7 bankruptcy almost eight years ago. Should I wait 10 years until this is off my credit report to qualify for a first time...

What is a FICO score?

January 31, 2017

A FICO score is a credit scoring system developed by the Fair Isaac Corporation (FICO). FICO creates the formulas that take information from credit reports and use it to...

How Do You “Fix” Bad Credit?

January 31, 2017

There is no quick “fix” for rebuilding your credit history. The length of time it will take depends on the severity of your previous difficulties. However, with time and...

How Can a Young Person New to Having a Credit Card Build Credit?

January 31, 2017

Building credit takes time. If you have a new credit card, make a small charge each month and pay the balance in full every month. Doing so will help...

Survey Results: When Divorce Does Damage to Your Credit

January 30, 2017

Learn how credit is impacted by divorce, and hear from survey respondents what they learned and would do differently

What Does “Account Closed at Credit Grantor’s Request” Mean on My Credit Report?

January 26, 2017

Dear Experian, I have an account listed as “Closed – Account closed at Credit Grantor’s Request.” What does this mean? I was never late on any payment for this...

How to Find Your Social Security Number

January 24, 2017

Dear Experian, I want a replacement PIN for my security freeze. You asked me to mail in a document with my Social Security number — there are no other...

Do Installment Loans Have a Negative Impact on Your Credit Score?

January 21, 2017

An installment loan is a loan in which you receive a specific amount from the lender. You then repay that amount, along with interest and perhaps other fees, with...

How Often Should Credit Reports Be Reviewed?

January 21, 2017

At a minimum, you should review your credit report once every 12 months. You can receive a free copy of your credit report from each of the three national...

What Are Some Specific Reasons That a Credit Score Can Drop?

January 21, 2017

There are two factors that will always cause people’s scores to drop significantly: late payments and utilization rate. Late payments. The single most important indicator of credit risk is...

I Have a Credit Card I No Longer Use. Is It Bad to Close a Credit Card?

January 19, 2017

Dear Experian, Does closing a credit card account that I don’t use hurt my credit? – TMY Dear TMY, Yes, closing a credit card account you no longer use...

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