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Articles by The Experian Team

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...

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...

How Can I Improve My Credit Score from Fair to Good?

August 24, 2017

Dear Experian, I cosigned for my son to get a vehicle, and I was unaware he missed a payment. I just found out by checking my credit report, and...

How Long Does an Eviction Stay on Your Record?

August 22, 2017

Dear Experian, I was evicted almost seven years ago, and at one point I saw the money owed on my credit report in collections. Now, I don’t see it....

Can I Get Out of a Car Loan without Ruining My Credit?

August 17, 2017

Dear Experian, If I voluntarily surrender my vehicle and I pay off the settlement balance of the difference between what they sold it for and what I still owe,...

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...