Featured article:

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.

Read More

Loan Modification and Credit Scores

February 15, 2012

Dear Experian, How will a loan modification affect my credit scores? I've never been late on my payments and have been approved for a modification without any late payments. - HBO

Original Account Not Updated when Debt Paid

February 15, 2012

Dear Experian, When an account is paid off through a collection agency, why doesn't it show paid in settlement on the account with the original creditor as well as the...

Lack of Revolving Accounts Hurt Credit Score

February 15, 2012

Dear Experian, My credit report says my score is reduced because I have no revolving credit accounts. Would it help my score to apply for and use a credit card? -...

Requesting a Credit Report for a Minor

February 15, 2012

Dear Experian, How can I get a copy of my son’s credit report? I believe that his father may have tried to get credit in his name. We are divorced,...

The Impact of Requesting Lower Credit Limits

February 1, 2012

Dear Experian, If I lower my credit limits on my credit cards, does that lower my credit score? If so, why? - PGR

Chapter 7 vs. Chapter 13 Bankruptcy

February 1, 2012

Dear Experian, What is the difference between chapter 7 and chapter 13 bankruptcies? - RYN

Authorized User Account Impeding Home Purchase

February 1, 2012

Dear Experian, I have a question regarding authorized users. I put my son on my card when he and his sister were traveling in Europe. I forgot about it...

Updating an Account Included in Bankruptcy

January 18, 2012

Dear Experian, I have a company reporting “charge off” on my credit report when it should be a bankruptcy that was done in August 2010. Can you help me understand...

What Derogatory Means on Your Credit Report

January 18, 2012

Dear Experian, What does “derogatory” mean when it shows up on my credit reports? - JUA

Change of Address for Credit Cards

January 18, 2012

Dear Experian, My oldest son recently moved. I have just found out that your agency, without my knowledge, changed the address on my credit cards. My bills should still be...

Closed Accounts Stay on Your Credit Report

January 18, 2012

Dear Experian, I printed my and my husband's credit reports. There are accounts that have been closed for years, but a note says they will remain on the report for...

Reaffirming Debts Will Not Remove Bankruptcy

January 4, 2012

Dear Experian, Can a Chapter 7 bankruptcy get deleted earlier than the 10 years if your lawyer had you agree to pay off some of the debt owed to the...