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Survey Results: Americans’ Financial Outlook

How will the outcome of the 2016 presidential election affect the economy and the financial well-being of individual Americans? Although long-range uncertainty remains, a new survey by Experian indicates that many Americans are optimistic about their personal financial outlook for

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What is the statute of limitations on debt?

August 23, 2016

Dear Experian, What is the statute of limitations on debt? I have an account on my report that was sold to a collection agency. Does the statute of limitations...

Video: Customer Care Stories – Joanne

August 21, 2016

Hear from Joanne how Customer Care agents work to understand your challenges and make a difference for callers.

Pay for Delete: Is it a Good Idea?

August 18, 2016

Dear Experian, If I pay a collection debt, and the collection company says they will delete it from my credit report, does that completely remove all negative information regarding...

Should You Pay Off Your Mortgage Early?

August 16, 2016

Dear Experian, Is it a good idea to pay off my mortgage early? What affect will that have on my score and how quickly will it go up? – LTD...

Video: Customer Care Stories – Ryan

August 14, 2016

Hear how Customer Care agents are able to reach out, connect, and make a difference for callers.

How is your credit score determined?

August 11, 2016

Scores are determined by five different categories of information in your credit report. Payment history is by far the most important factor of your credit report. It’s essential to...

How long can negative items stay on your credit report?

August 11, 2016

Here is a list of how long the most common items remain in a credit report: Late payments: 7 years from the original delinquency date Civil judgements: 7 years...

How can I repair my credit score?

August 11, 2016

You can’t repair a credit score. Credit scores represent the information in your credit report. In order to improve your credit scores you must rehabilitate your credit history, which...

When does the seven year period start, date opened or date paid?

August 11, 2016

Neither of those dates have any bearing on when information is deleted from your credit report. The seven year period actually starts on the original delinquency date of the...

How often should I check my credit score?

August 11, 2016

Check your credit report at least once a year, if not more often, as part of your normal financial management practices. You can get a free report and FICO...

Do apartments report your monthly payments to credit bureaus?

August 11, 2016

Landlords can report your monthly payments to credit bureau. Talk with your landlord and ask if they report your rent payments. If they are not already doing so, go...

Audio: Cosigning a College Loan

August 11, 2016

Know a student in need? Learn the facts of cosigning before you discuss options to help support to their educational dreams.

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