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Articles by The Experian Team

I Can’t Pay My Mortgage. What Should I Do?

August 15, 2017

Dear Experian, I haven’t been late yet, but I am having trouble paying my mortgage. I’ve lived here for many years and want to stay in the house. What...

How Can I Add My Good Payment History to My Credit Report?

August 10, 2017

Dear Experian, I have for a number of years attempted to correct my credit report to show my current mortgage, which is in good standing. No matter what I...

Will Paying My Credit Card Balance Every Month Help My Credit Score?

August 8, 2017

Dear Experian, Is it better to pay off the entire balance on a credit card each month, or to always leave a small balance to carry over? – OHR...

Do Student Loans Affect My Credit Score?

August 3, 2017

Dear Experian, Do student loans affect your credit scores? If so how are they used in the calculation? – LBC Dear LBC, Student loans affect your credit report and...

Multiple Inquiries When Shopping for a Car Loan

July 27, 2017

Dear Experian, I went car shopping one day and now there are lots of inquires that say they will be on my credit report until 2015. Is it right for...

How Can I Find Out How Much I Owe on My Student Loans?

July 25, 2017

Dear Experian, How would I go about finding who I owe money to for my student loans and how much I owe? – SMC Dear SMC, Your credit report...

Can Creditors Garnish My Wages?

July 20, 2017

Dear Experian, Can a creditor still garnish your wages even though the account is showing “closed” on my credit report? The account shows as, “Charged off as bad debt....

Can I Remove Negative but Accurate Information from My Credit Report?

July 18, 2017

Dear Experian, I have a debt from a department store credit card. It was charged off a few months ago. I have the money to pay it now. I...

How Long Does It Take for a Repossession to Come off Your Credit?

July 13, 2017

Dear Experian, I am a graduate student with no income. I have a car payment that hasn't been paid in two months, and now they want to repossess it. I...

What Does It Mean to Default on a Loan?

July 11, 2017

Dear Experian, I had student loans in default that have now been consolidated and brought current through another company earlier this year. All student loans are still reporting as...

Can I Negotiate with Debt Collectors?

July 6, 2017

Dear Experian, I have two charge offs on my credit report from two different credit cards. Is it possible to get the credit card companies to remove the charge...

How Long After Getting My First Credit Account Will a Score Be Created?

June 29, 2017

Dear Experian, I am an international student. It was very difficult for me to get a credit card application approved even after getting a job and getting a Social...