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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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Can a Paid Charged Off Account be Removed from the Report?

October 27, 2016

Dear Experian, What is needed to remove a charge off from your credit report if you pay the disputed amount? – HWM Dear HWM, Charged Off Accounts Not Removed...

Should I get a secured loan to build my credit?

October 25, 2016

Dear Readers, A secured loan is any loan that is backed or guaranteed by collateral. This means that if you default on the loan payments, the lender can take...

Quiz: Child Identity Theft – Are You In the Know?

October 25, 2016

See how knowledgeable you are about identity theft when kids are the victims. When it comes to them, does your regular knowledge hold true?

Do negative items stay on your credit report after they were put in bankruptcy?

October 25, 2016

Items included in bankruptcy will remain on your credit report after you file, but will be updated to show they were included in the bankruptcy. When you file bankruptcy,...

If you are a minor, can you have a credit report and can it get frozen?

October 25, 2016

Experian does not intentionally maintain files on minors; however, it is possible for a minor to have a credit report. If a file does exist, it Experian will freeze...

Does buying a car help your credit positively or negatively?

October 25, 2016

It’s really up to you. Buying a car can help you build a positive credit history if you pay the debt on time and as agreed. Failing to pay...

Chip-and-PIN: The Payments Change One Year Later

October 20, 2016

With the transition to chip-and-PIN still ongoing for some, learn what has prompted a rise in fraud incidents in tandem with its debut.

What is Debt Management?

October 18, 2016

Dear Experian, I have significant credit card debt and I’m considering a consolidation loan. Is this a good idea? What other debt management options are there? – JCB Dear...

I’ve defaulted on my student loans. Should I consider loan rehabilitation?

October 18, 2016

Dear Experian, I had some financial difficulty last year and defaulted on my student loan in an amount close to $5,000. I have the money to pay it off...

What Should You Do When Your Identity Is Stolen: Credit Freeze or Fraud Alert?

October 18, 2016

Discover your best options after finding suspicious activity on your credit report.

Can I Dispute Information Without Getting a Report from Experian?

October 13, 2016

Dear Experian, I have recently obtained my credit report from my bank and do not need one from Experian. How can I go about disputing an incorrect item on...

How to remove hard inquiries that were not authorized?

October 13, 2016

Anytime you apply for credit or other services, you are giving the lender permission to check your credit report. The Fair Credit Reporting Act does not require lenders to...

Is a short sale as bad as foreclosure?

October 13, 2016

Generally, in terms of severity, bankruptcy is the worst thing for your credit report, followed by foreclosure and then a short sale. The term short sale does not appear...

How do I get old items off my credit?

October 13, 2016

Always remember that your credit report is a credit history. If the information in the report is accurate, it will stay on the report for the amount of time...

How can I raise my credit score?

October 13, 2016

Everyone’s credit history is unique so it depends on the individual. Start by getting your credit report and your credit score. You can get a copy of your credit...

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