Latest education and advice

What Happens If I Don’t Pay My Credit Card Bill?

Dear Experian, What would happen if I didn’t pay my credit card bill, but I pay all my other bills on time every month? Would it still hurt my...

How Long Does It Take to Repair Your Credit?

Dear Experian, How can I remove collections and late payments and repair my credit report? How long does it take? I would like to buy a house in four...

Can You Negotiate Credit Card Debt?

Dear Experian, I am completely overextended with credit card debt but pay my bills on time. If I call a credit card company and negotiate a settlement or lower...

Credit education

Credit Report basics

A Credit Report provides detailed information on how you have used credit in the past, including how much debt you have and whether or not you’ve paid your bills on time.

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Credit Score basics

A Credit Score is a number lenders use to help them decide how likely it is that they will be repaid on time if they give a person a loan or a credit card.

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Preventing fraud

You can take steps now to protect yourself from credit fraud. Learn the warning signs and get the information you need to prevent credit fraud and identity theft.

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Life events

Learn how to build and maintain good credit throughout your lifetime. Understanding how life events can affect your credit is important to maintaining a good credit history.

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