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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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If My Credit Card Balance Is $0 Should I Close the Account?

December 30, 2016

The standard recommendation is to keep unused accounts with zero balances open. A zero balance on a credit card reflects positively on your credit report and means you have...

What Are Some Good Credit Tips for the New Year?

December 30, 2016

Here are three quick credit tips for the New Year: Get your credit report. It’s important to know what is in your credit report to ensure your credit information...

What Does “Good Standing” Mean on My Credit Report?

December 29, 2016

Dear Experian, I consolidated my school loans last year. Should I work to have those closed accounts removed? There are several of them. I don’t know, even though they’re...

How Does an Eviction Affect Your Credit?

December 27, 2016

Dear Experian, I am trying to apply for an apartment but they say there is an eviction on my record. Where would I find this information and how do...

What is a Rapid Rescore? Is it something I should consider?

December 22, 2016

Dear Experian, I currently have a pre-approval for a home loan and would like to get a better rate by improving my credit scores. I have credit cards and...

Should I cosign on my son’s car loan? Are there any risks to my credit?

December 20, 2016

Dear Experian, I want to help my son build his credit. Is cosigning for a car loan a smart way to do it? Cash flow is not an issue,...

Audio: Keeping Debt Down During the Holidays

December 16, 2016

With the bustle of the holidays, it’s too easy to lose track of your seasonal spending. How will you keep a handle on expenses this year?

Audio: What Happens if I Don’t Pay My Credit Card Bill?

December 16, 2016

It can be all too tempting to let a credit card payment slide during the busiest times of the year. Curious about what happens when you do?

How to Find Out What You Have in Collections

December 15, 2016

Dear Experian, When I checked my credit report through an online service, my report showed that I had nothing in collections. When a bank that I went to pulled...

Our End-of-year Charitable Giving Guide

December 15, 2016

Thinking about giving back? If you’re on the hunt to give, ensure your funds reach those most in need.

What To Do When You Lose Your Purse or Wallet

December 14, 2016

Dear Experian, My handbag was stolen recently and with it I lost my license, our Social Security numbers, etc. I am planning to put a credit freeze on my...

Is it better to pay the cards with the highest interest rate first or the most debt?

December 8, 2016

There is no “right” way to pay down your debt as long as you are making your payments on time. You should use whichever method works best for you...

How long does information stay on your credit score?

December 8, 2016

The length of time that information stays on your credit report depends on the type of information. Here’s a brief list of items and how long they will stay...

Can you talk about inquiries? What are inquiries?

December 8, 2016

An inquiry is simply a record that someone has looked at your credit report. There are two types of inquiries: soft and hard. Soft inquiries Soft inquiries are inquiries...

How Will Using My Credit Card for Large Purchases Affect My Credit?

December 8, 2016

Dear Experian, If I have an introductory zero-interest window on a new credit card (15 months), and I use that card to pay off a home renovation – will...

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