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Articles by The Experian Team

The Impact of Requesting Lower Credit Limits

April 17, 2018

Dear Experian, If I lower my credit limits on my credit cards, does that lower my credit score? If so, why? - PGR

How Divorce Can Impact Your Credit Scores

April 5, 2018

Dear Experian, I read that divorce does not impact your credit scores, but I've heard from people who are divorced that said it damaged their credit. If it doesn't impact...

How a Transferred Mortgage Account May Impact Credit Scores

April 3, 2018

Dear Experian, My home mortgage was sold by the lender to another bank. My credit report is showing that the account from the original lender is closed, and I...

Recent Late Payments Hurt Credit Scores the Most

March 29, 2018

Dear Experian, Why has my credit score dropped 42 points? There is a late payment on one of my cards which has since been brought current, and four of my...

Late Payments Not Deleted After Account Paid Off

March 27, 2018

Dear Experian, I have paid off an account that previously had a late payment mark on my record. Is there any possible way to remove the negative mark on my...

How Long Late Payments Stay on Credit Report

March 22, 2018

Dear Experian, How long does a negative payment status of "Paid, Past due 30 days" remain on my credit report? The item in question occurred in March 2006, while I...

Impact of Missed Payments and Mortgage Modification

March 20, 2018

Dear Experian, I'm considering entering into a six month reduced payment plan with my mortgage lender. I understand this will have a negative impact on my credit. Will this have...

Lack of Revolving Accounts Hurt Credit Score

March 15, 2018

Dear Experian, My credit report says my score is reduced because I have no revolving credit accounts. Would it help my score to apply for and use a credit card? -...

How to Add a Security Freeze to Your Credit File

March 13, 2018

Dear Experian, How can I get a credit freeze on my report? -FSG

Credit Card Under Different Name on Credit Report

March 9, 2018

Dear Experian, I have two credit cards that are affiliated with private companies. Neither of these credit cards shows up on my credit report. Both have large limits with small...

Paying off Closed or Charged off Accounts

March 8, 2018

Dear Experian, Does paying off a closed or charged off account raise your credit scores? -TYC

Improving Credit Score Without a Credit Card

March 6, 2018

Dear Experian, How can you improve your credit score if you don't have any credit cards? - HQB