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Articles by The Experian Team

Fraud Alert Stopping Satellite TV Application

June 5, 2013

Dear Experian, I cannot sign up for satellite television because they say we have a fraud alert attached to our credit history. We do not need a fraud alert. How...

Replacing a Lost Security Freeze PIN Number

May 22, 2013

Dear Experian, I placed a security freeze on my account and have misplaced the PIN needed to temporarily remove the freeze. How do I get a replacement PIN? - MCH

Liable for Balanced Owed on Deleted Account

May 8, 2013

Dear Experian, Am I still liable for an account that I disputed and that was deleted from my credit report? - MGB

Debt Bureau Reports Not Part of Experian Credit Report

May 8, 2013

Dear Experian, How long does ChexSystems information remain on file? Why does it prevent one from opening a CD, savings account or mutual fund? - SHF

Not Enough Activity to Generate Credit Score

May 8, 2013

Dear Experian, Recently we were told my husband’s credit report with Experian was not reporting and that his credit score is not available. We received a message that says “Factor...

Authorized User Accounts and Credit Scores

April 24, 2013

Dear Experian, Do items on my credit report in which I am listed as an "authorized user" contribute to my score? - DRH

College Student Declined for First Credit Card

April 24, 2013

Dear Experian, My daughter is trying to get her first credit card as a college student. They have denied her based on a credit report from you. How can a...

Update the Mailing Address on Your Credit Report

March 27, 2013

Dear Experian, I don't have any open credit accounts, so how do I inform Experian of my new home address? - VLK

Ordering Your Own Credit Report Won’t Hurt Your Score

March 27, 2013

Dear Experian, Is there any way I can check my credit score without it hurting my score? How much does it hurt me to order my credit score? - KWS

Using Employer Tax ID Number Won’t Fix Bad Credit

March 27, 2013

Dear Experian, Can I use my employer tax ID number to repair my damaged credit? - KMR

Evictions Are Not Shown in Your Credit Report

March 13, 2013

Dear Experian, I have an eviction on my credit report which is inaccurate. I have proof that it was paid. Every time I apply for an apartment I am denied...

Credit Card Paid in Full but Does Not Show Zero Balance

March 13, 2013

Dear Experian, I pay my credit cards off in full before the payment is due, yet my report shows a 60 percent utilization ratio. Why is this happening and how...