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Posts Tagged ‘ rebuilding credit ’

Use cards a little and pay balances in full to build credit

  • September 14th, 2011
  • Posted in Credit Reports . Credit Scores

Dear Experian, I am trying to rebuild my credit. Is it better to keep a zero balance on the credit cards that I have recently paid off or keep a small amount and pay them off each month? I still have some credit cards that have a balance on, which I plan on paying off completely. I would just like to know the best way to raise my credit score. - LLO[ READ MORE ]

Choosing between a motorcycle and an engagement ring

  • May 11th, 2011
  • Posted in Credit Reports . Credit Scores . Life Events

Dear Experian, I have been rebuilding my credit and would like to purchase a motorcycle and an engagement ring. If I apply for credit and get denied will my credit score go down and how long will the two remain on my credit report? - ENB[ READ MORE ]

Improving your credit is a matter of common sense

  • August 5th, 2009
  • Posted in Credit Reports

Dear Experian, I would love to get an answer on how to increase my credit score other than common sense answers like, “Pay your bill on time.” No duh. I’m past that. I didn’t pay on time, now what? Or, get a credit card. My credit is messed up. I can’t get a credit card. I hope you have some information that can actually be applied, like who to pay first. If it’s already in collection should I even pay it off? - UPE[ READ MORE ]

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    Welcome to Ask Experian, hosted by Maxine Sweet, Experian's Vice President of Public Education. The blog 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 to answer readers' questions about these and other important topics.

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    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.

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