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What Should You Know About the Dark Web?

Learn more about what the dark web is, and why it should matter to you as a part of your identity protection strategy.

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What is a FICO score?

January 31, 2017

A FICO score is a credit scoring system developed by the Fair Isaac Corporation (FICO). FICO creates the formulas that take information from credit reports and use it to...

How Do You “Fix” Bad Credit?

January 31, 2017

There is no quick “fix” for rebuilding your credit history. The length of time it will take depends on the severity of your previous difficulties. However, with time and...

How Can a Young Person New to Having a Credit Card Build Credit?

January 31, 2017

Building credit takes time. If you have a new credit card, make a small charge each month and pay the balance in full every month. Doing so will help...

Survey Results: When Divorce Does Damage to Your Credit

January 30, 2017

Learn how credit is impacted by divorce, and hear from survey respondents what they learned and would do differently

What Does “Account Closed at Credit Grantor’s Request” Mean on My Credit Report?

January 26, 2017

Dear Experian, I have an account listed as “Closed – Account closed at Credit Grantor’s Request.” What does this mean? I was never late on any payment for this...

How to Find Your Social Security Number

January 24, 2017

Dear Experian, I want a replacement PIN for my security freeze. You asked me to mail in a document with my Social Security number — there are no other...

Do Installment Loans Have a Negative Impact on Your Credit Score?

January 21, 2017

An installment loan is a loan in which you receive a specific amount from the lender. You then repay that amount, along with interest and perhaps other fees, with...

How Often Should Credit Reports Be Reviewed?

January 21, 2017

At a minimum, you should review your credit report once every 12 months. You can receive a free copy of your credit report from each of the three national...

What Are Some Specific Reasons That a Credit Score Can Drop?

January 21, 2017

There are two factors that will always cause people’s scores to drop significantly: late payments and utilization rate. Late payments. The single most important indicator of credit risk is...

I Have a Credit Card I No Longer Use. Is It Bad to Close a Credit Card?

January 19, 2017

Dear Experian, Does closing a credit card account that I don’t use hurt my credit? – TMY Dear TMY, Yes, closing a credit card account you no longer use...

Does Leasing a Car Build Credit?

January 17, 2017

Dear Readers, We are sometimes asked whether leasing a car can help you build credit and the answer is, yes it can. In terms of credit reports and credit...

Survey Results: Americans’ Financial Outlook

January 14, 2017

How will the outcome of the 2016 presidential election affect the economy and the financial well-being of individual Americans?

Why Does My Credit Report Still Show a Charge Off on an Account?

January 12, 2017

Dear Experian, I had a car payment that was seriously delinquent in 2015. In January of 2016 I brought the payment current, and the monthly payment has been paid...

How Long Do Collections Stay on Your Credit Report?

January 10, 2017

Dear Experian, How long does it take for a collection to be deleted from my credit report? – SMQ Dear SMQ, Your credit report is a history of all...

I’d Like to Improve My Credit Score by 100 Points. What Are Some Steps I Can Take to Do So?

January 5, 2017

Dear Experian, What steps can I take to improve my credit score by 100 points? – KKB Dear KKB, Every credit history is unique, so it’s impossible to say...

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