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Articles by The Experian Team

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

Does Freezing Your Credit File Affect Other Accounts

March 1, 2018

Dear Experian, I just lost my driver's license and am considering putting a security freeze on my credit files. Would placing a freeze on my credit files interfere with me...

Good Saving Habits and Good Credit Go Hand-in-Hand

February 26, 2018

Dear Readers, February 26 – March 3 is America Saves Week. But why talk about saving in a credit advice column? The answer is that savings and good credit...

Fraud Alert vs. Security Freeze

February 22, 2018

Dear Experian, What is and where can I find my Security Freeze Personal Identification Number? I have an extended fraud alert on my credit report and would like it removed....