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Introducing Experian CreditLock

Learn how the flexibility to lock and unlock your credit - instantly - might be the thing your financial plan has been missing. Until now.

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Can You Negotiate Credit Card Debt?

February 16, 2017

Dear Experian, I am completely overextended with credit card debt but pay my bills on time. If I call a credit card company and negotiate a settlement or lower...

When Will a Paid Judgment Be Removed?

February 14, 2017

Dear Experian, I paid a civil judgment in full this year. Will that ever be off my credit report? It shows the amount owed is $0, but it still...

Top 7 Financial Tips When Facing Divorce

February 9, 2017

We spoke with some people who are experts in this area - because they've been there as well - to compile a list of tips for you to know.

Quiz: How’s Your Relationship With Credit?

February 9, 2017

In any long-term relationship, it takes attention and effort to keep things going strong. Does your relationship with your credit make the grade?

Do Employers Look at Credit Reports?

February 9, 2017

Employers may obtain a modified copy of your credit report for employment purposes, but they will never receive your credit score. A report used for employment purposes omits your...

How Do You Close a Credit Card?

February 9, 2017

To close a credit card, you must contact the credit card company and request an account closure. The credit card company will then deactivate your account and report it...

What’s the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

February 9, 2017

From a credit reporting perspective there is one fundamental difference in the two bankruptcy chapters. Under Chapter 13 bankruptcy you must repay at least a portion of the debt....

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...