Ask Experian has been answering readers’ questions for more than 15 years. Hosted by Rod Griffin, Experian’s Director of Public Education. Ask Experian responses draw on the knowledge of Experian’s experts in credit reporting, credit scoring, direct marketing, automotive history, identity theft and other areas from across the company. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. The information contained in Ask Experian is for educational purposes only and is not legal advice. For more information see the footer below.
I was surprised to see my credit card was reported over the limit by $19 within five days of the charge occurring. Even though it was paid within the statement date, my credit score went down by seven points. Why?
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Understand, Build and Manage Your Credit. Credit plays an important role in your life – affecting the purchases you make and much more. The more insight you have about credit, the easier it is to strengthen your financial well-being. Learn how to successfully manage your credit rating and protect against credit card fraud.
Credit Matters for Everyone. Live Credit Smart captures the latest credit topics that are trending today and brings insights from nationwide studies with statistics on credit health to debt management.
Experian’s fifth annual State of Credit highlights the U.S. cities with the highest and lowest credit scores, bankcard usage, average debt as well as other factors in more than 100 metropolitan areas across the country. To find out where your city ranks, click on a state, scroll over a city and view the information for […]
Connecting our world of finance and data with people across social. Be a part of our finance conversation on Facebook and stay up to date about breaches and other topical finance news, participate in our #CreditChat on Twitter to connect directly with the world’s finance leaders, and join us on Tumblr for fun water cooler facts about credit and finance!
Our policies for Ask Experian:
The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.