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Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.

Please note: 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 column.

Build Credit

Are you trying to build credit for the first time, or perhaps re-build your credit standing after going through some financial difficulties? Good credit is necessary if you plan to use credit to make a major purchase someday.

The only way to build a credit history is to use credit. The key to building good credit is to use credit wisely. Whenever you submit an application for a loan, insurance or credit card, new information is added to your credit report. If you have little or no credit history, you can build credit responsibly over time. Get advice on why you may not have a credit report, what information is included in credit reports, what happens when you don’t use credit and more.

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