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Survey Results: Americans’ Financial Outlook

How will the outcome of the 2016 presidential election affect the economy and the financial well-being of individual Americans? Although long-range uncertainty remains, a new survey by Experian indicates that many Americans are optimistic about their personal financial outlook for

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Infographic: Living Your Best Financial Life

July 19, 2016

Not sure where your money’s going these days? Look over some of our ideas to help control your finances to power your best financial life.

Does everyone start out with the same credit score?

July 19, 2016

In essence, we all start out with no score at all (not zero). You don’t start with a perfect score and go down or start with zero and go...

Will your score go down if you check it?

July 19, 2016

Checking your own report and purchasing a credit score at www.annualcreditreport.com or at www.experian.com, or subscribing to other credit monitoring services will never hurt your credit scores. A “soft”...

How can I pay off my credit line quickly?

July 19, 2016

The only way to pay something off quickly is to pay more than the minimum due toward it. The more you can put towards the debt, beyond the minimum...

How long does it take for car inquiries to drop off for one car?

July 19, 2016

An inquiry will stay on your credit report for two years from the date of the inquiry. However, the effect of the inquiry on credit scores will start to...

What’s the best way to correct negative credit information on your credit report?

July 19, 2016

Accurate negative information will remain in your credit report for seven years from the date of the late payment. If an account is charged off and sent to collection...

Is it bad to pay your bill in full each month?

July 19, 2016

You don’t have to carry a balance to have good credit scores. Paying your credit card in full each month is the ideal scenario because it is going to...

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...

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