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Articles by The Experian Team

What Derogatory Means on Your Credit Report

February 20, 2018

Dear Experian, What does “derogatory” mean when it shows up on my credit reports? - JUA

Loan Modification and Credit Scores

February 15, 2018

Dear Experian, How will a loan modification affect my credit scores? I've never been late on my payments and have been approved for a modification without any late payments. - HBO

Inquiries can have small impact on credit scores

February 13, 2018

Dear Experian, I haven’t had negative activity on my credit report for over two years, and my score was recently 674. I applied for a credit card, and they did...

Social Security Number Used to Open Credit Cards

February 10, 2018

Dear Experian, Someone is using my five-year-old daughter’s Social Security number. They already have two credit cards open under her number. What should I do? - REN

When is a Collection Account Deleted

February 8, 2018

Dear Experian, Is it legal for a collection agency to submit an account that they buy from a creditor as "new" even though that same account before it was purchased...

The Impact of Paying a Collection Account on Credit Scores

February 6, 2018

Dear Experian, Does settling a debt that is showing negative on my credit report as a "collection", get removed from my report as soon as it is paid? Does paying...

Removing Authorized User Accounts After a Breakup

February 4, 2018

Dear Experian, I broke off a relationship in October 2009 where I was an authorized user on several credit cards. My ex-girlfriend told me she removed me as authorized user....

Qualifying for New Credit with No Credit History

February 1, 2018

Dear Experian, I have no credit score and am unable to get credit for a car loan. How do I get a credit score? I have my own apartment and...

How Cosigning Affects Your Credit

January 31, 2018

Dear Experian, Is there a difference if a cosigner is first or second on a car loan? Would it negatively affect someone’s credit if they are first rather than...

Re-establishing Credit After Moving from Canada

January 30, 2018

Dear Experian, I recently moved here from British Columbia, Canada, and when I apply for a credit card here you deny it because you say my credit information is not...

Chapter 7 vs. Chapter 13 Bankruptcy

January 27, 2018

Dear Experian, What is the difference between chapter 7 and chapter 13 bankruptcies? - RYN

Settling a Debt Will Hurt Your Credit Score

January 26, 2018

Dear Experian, Does it hurt my credit score if I settle my account? - EWH