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Ask Experian

Ask Experian has been answering readers’ questions for more than 15 years. Hosted by Rod Griffin, Experian’s Director of Public Education. Ask Experian responses draw on the knowledge of Experian’s experts in credit reporting, credit scoring, direct marketing, automotive history, identity theft and other areas from across the company. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. The information contained in Ask Experian is for educational purposes only and is not legal advice. For more information see the footer below.

The effects of charging over-the-limit

Posted on Apr 26 2016 by

Dear Experian,

I was surprised to see my credit card was reported over the limit by $19 within five days of the charge occurring. Even though it was paid within the statement date, my credit score went down by seven points. Why?

– ANW

How to request a credit report when you are in incarcerated

Posted on Jan 18 2016 by

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Obtaining a RentBureau report

Posted on Jan 03 2016 by

Dear Experian,

How do I get a free consumer report from Experian RentBureau? My landlord has found incorrect information on the service he uses.

– TNY

Credit Education

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Live Credit Smart

Credit Matters for Everyone. Live Credit Smart captures the latest credit topics that are trending today and brings insights from nationwide studies with statistics on credit health to debt management.

What is Your State of Credit?

Posted on May 07 2015 by

Experian’s fifth annual State of Credit highlights the U.S. cities with the highest and lowest credit scores, bankcard usage, average debt as well as other factors in more than 100 metropolitan areas across the country. To find out where your city ranks, click on a state, scroll over a city and view the information for […]

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Our policies for Ask Experian:

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.