The Experian Team Twitter | Facebook

Articles by The Experian Team

Can Delinquency Be Removed from Credit Report

December 10, 2017

Dear Experian, If payment has not been delinquent for two or more years can it be removed from potentially negative status? - FRA

Use Credit Cards and Pay Balances to Build Credit

December 9, 2017

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...

Why Inquiries Can Change Credit Scores

December 5, 2017

Dear Experian, Why does my score change with inquiries? - ADM

Financial Literacy: How to Teach Your Kids

November 29, 2017

Financial literacy is an important part of growing up. Check out this infographic to learn how you can teach your kids about the importance of finance.

Income is Not Part of a Credit Report

October 26, 2017

Dear Experian, How do I get the word to Experian that my income has greatly increased? I was denied a credit limit increase on my credit card, and I...

Do You Have to Freeze Your Credit Report with Each Credit Reporting Company?

October 17, 2017

Dear Experian, When you place a security freeze on your account, what prevents lenders or creditors from using another credit reporting agency to view your credit report? Will the...

Married Couples Do Not Have Joint Credit Reports

October 12, 2017

Dear Experian, Do a husband and wife share a single annual credit report, or do they each have their own reports that are separate from and specific to each...

October is Cyber Security Awareness Month – Here Are Some Tips

October 5, 2017

Dear Experian, A bank notified me that an online account was opened using my personal information. I did not open this account and informed the bank of same. They...

What Happens When Medical Bills Go to Collections?

October 3, 2017

Dear Experian, I owe a large medical bill and have been making monthly payments to the hospital, but they have recently told me that if I don’t start paying...

How Will A Medical Collection Account Affect My Score?

September 12, 2017

Dear Experian, Does a medical bill sent to a collection agency affect my credit score? – MPR Dear MPR, Yes, a medical collection account can affect your credit scores...

How do I cancel a credit card?

September 5, 2017

Dear Experian, I just opened a new credit card and I’m trying to learn more about how credit cards affect my credit score. I believe I have four credit...

Can a Collection Agency Charge More Than the Original Debt?

August 29, 2017

Dear Experian, If a checking account was closed, charged off, and sold to a collections agency, what kind of interest can they charge on that debt? I read that...