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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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What If I Can’t Pay Back a Payday Loan?

March 23, 2017

Dear Experian, I had a payday loan I took out in 2011. I became unable to work and had to have surgery in 2012. I began attempting to repair...

What Is Wage Garnishment?

March 21, 2017

Dear Experian, I recently had a garnishment due to a medical billing and insurance coverage issue. The entire balance was paid in a matter of eight weeks. The collection...

Can You Pay off One Credit Card with Another?

March 16, 2017

Dear Experian, Will transferring a balance from one credit card to another credit card, not to a new card but one that I have already had for years that...

How Do I Find out Who I Owe Money To?

March 9, 2017

Dear Experian, How can I find out who I owe? I would like to know so that I can pay off my debt and clear up my credit. –...

Can I Apply for Credit Cards After Declaring Bankruptcy?

March 8, 2017

Dear Experian, Can I apply for credit cards after declaring bankruptcy? What kind of credit card might I qualify for? I am trying to rebuild my credit. – GSP...

Can Opting-Out of Pre-Approved Offers Help My Credit Score?

March 2, 2017

Dear Experian, Do inquiries for preapproved offers damage your credit report? I am trying to make an informed decision on whether to opt out of these solicitations. – HNS...

A Case of Stolen Identity: How It Happened and How I Got My Life Back

March 2, 2017

Financial blogger Kem Washington shares how she was able to bounce back from the personal devastation of identity theft.

Negotiating a Settlement Amount on an Account in Good Standing

February 28, 2017

Dear Experian, My mother offered to pay off my private student loans. The account is in good standing, but I am negotiating to pay an amount less than the...

What Happens If I Don’t Pay My Credit Card Bill?

February 23, 2017

Dear Experian, What would happen if I didn’t pay my credit card bill, but I pay all my other bills on time every month? Would it still hurt my...

Do Businesses Require My Permission to Run My Credit?

February 23, 2017

It is possible for businesses to view credit reports, in particular circumstances, without your permission. For example, if you are applying for credit, such as a credit card, mortgage...

My Student Loans Were Just Paid in Full. Will This Improve My Credit Score?

February 23, 2017

Congratulations! Paying off your student loans is a great accomplishment. If you always made your student loan payments on time, you may not see a big increase in your...

What Can a Good Credit Score Do for You?

February 23, 2017

Having a credit score in the high 700s and above will help you save money over time and allow you to get the credit you want when you need...