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Articles by The Experian Team

What Does It Mean to Default on a Loan?

July 11, 2017

Dear Experian, I had student loans in default that have now been consolidated and brought current through another company earlier this year. All student loans are still reporting as...

Can I Negotiate with Debt Collectors?

July 6, 2017

Dear Experian, I have two charge offs on my credit report from two different credit cards. Is it possible to get the credit card companies to remove the charge...

How Long After Getting My First Credit Account Will a Score Be Created?

June 29, 2017

Dear Experian, I am an international student. It was very difficult for me to get a credit card application approved even after getting a job and getting a Social...

I Am Having Trouble Answering the Online Security Questions. What Should I Do?

June 27, 2017

Dear Experian, I cannot access my credit report online. I was asked several security questions about accounts I did not recognize. I have the form to request the report...

How Do I Report Identity Theft?

June 22, 2017

Dear Experian, How do I add a fraud statement to my credit report? I want to warn creditors that I have recently been a victim of identity theft and...

What Happens to Debt When I Die?

June 20, 2017

Dear Experian, In the event of a family member or spouse’s death, who becomes responsible for the deceased’s debt? What if there is no insurance or money left by...

What Should I Do if I Don’t Recognize a Creditor on My Credit Report?

June 15, 2017

Dear Experian, I have two items on my credit report that I am not familiar with. I do not know what these entries are for. What should I do?...

When Does the 7 Year Rule Begin For Delinquent Accounts?

June 13, 2017

Dear Experian, I had a 30-day late payment in April 2011 and one 90 days late in September of 2011. When would the seven-year rule start? April or September?...

How Can I Tell if a Debt Collector is Legitimate?

June 8, 2017

Dear Experian, On my credit report it states that there is an open account for more than $400 to a company I have never heard of. I searched the...

What is a Creditor?

June 6, 2017

Dear Experian, I received a letter from Experian today stating that within the last 30 days, changes to my name, address, or Social Security number were reported to you...

What is a Grace Period?

June 1, 2017

Dear Experian, If you make payments within the grace period, does that affect your credit report? – TWB Dear TWB, A grace period is a set amount of time...

Is My Credit Report Supposed to Show My Closed Accounts?

May 23, 2017

Dear Experian, Should closed and paid off accounts be taken off my report or does that not matter? – JOM Dear JOM, Even though an account is paid off...