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Holiday Shopping Survey Results

November 19, 2016

A survey by Experian shows that holiday expenses can be hard. Find out the survey results and get tips for better budgeting.

How long will my medical bills remain on my credit report?

November 17, 2016

Dear Experian, I paid off a $47 medical bill I didn’t know about in May 2016. I just saw it’s still on my credit report. I contacted the collection...

What is a debt validation letter? How do I know if I need one?

November 15, 2016

Dear Experian, I sent a debt validation letter to a collection agency and it’s been over 30 days and still I haven’t received a response. How long do I...

What’s the highest FICO score achievable?

November 10, 2016

The highest credit score depends on the scoring system the lender is using. There are many different credit scores with many different score ranges. FICO is perhaps the best...

Does an overdraft on my checking account affect my credit score?

November 10, 2016

Checking account overdrafts do not directly affect your credit scores. However, if the overdraft amount is sent to collections it could appear in your credit report and hurt your...

How do you get a free FICO score?

November 10, 2016

You can get a free FICO score from Experian by going to www.freecreditscore.com. You will also get the risk factors that are affecting your score, which will help you...

How Do I Remove a Mortgage from My Credit Report After a Divorce?

November 10, 2016

Dear Experian, I was divorced in 2007. My husband kept the mortgage and stayed in the home. I was removed from the title and responsibility of that loan in...

Top Holiday Shopping Tips & Ideas

November 10, 2016

Get ideas to help you cross off all the names on your holiday shopping list - and make it to New Years with your budget and sanity intact.

What Credit Score Do I Need to Buy a Car?

November 8, 2016

Dear Experian, I’m trying to buy a car. How can I improve my credit score quickly? What credit score do I need to buy a car? – BBK Dear...

How Does Credit Repair Work?

November 3, 2016

Dear Experian, How do I begin repairing my credit history? How does credit repair work? – BLR Dear BLR, What is Credit Repair? When people mention credit repair, they...

A Holiday Spending Survival Guide

November 3, 2016

Do the holidays run away with your spending? Refine your plan before the frenzy amps up and derails your goal of an organized (and budgeted) season.

How many credit cards is too many?

November 2, 2016

Dear Experian, I think I have too many credit cards and would like to close a couple. I have good payment history with these credit cards; however, I heard...

As a young college student with no credit history, what would be the best way to start off?

November 1, 2016

Establishing credit for the first time, especially if you are under 21 years of age can be difficult. The Credit CARD Act effectively prohibits a person who is under...

What is a “charge off” account?

November 1, 2016

The term “charged off” means that the lender has given up on receiving payment on the account and has written it off as loss. They may then transfer or...

Would being an authorized user on a credit card help to raise my score?

November 1, 2016

An authorized user account can help build a credit score, although it won’t generally have as much impact as being a joint account holder or individual account holder. As...

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