Game of Credit

Credit is a skill that you build, and it's one that you can get better at. Ready to explore the ways credit can shape your road ahead? Play along and discover more.

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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...

When Are Closed Accounts Deleted

July 17, 2016

Dear Experian, Will the closed account ever be removed from my credit report? - OWE

Score Didn’t Improve After Bankruptcy Removed

July 17, 2016

Dear Experian, I recently had a bankruptcy removed from my credit report, but it didn't change my score. When or how do you update the credit score? - PLM

Requesting a Free Credit Report after Application is Denied

July 17, 2016

Dear Experian, I just had my credit run for a credit card and was denied. The lender said Experian was used to check my credit and I am entitled to...

Rumor to Leave Accounts Open is Correct

July 17, 2016

Dear Experian, My husband and I have several credit cards, all with limits under $1,500.00. We wanted to pay off and close the high-rate cards we don't use, because we...