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Articles by The Experian Team

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...

Past Due Accounts Can Be Turned Over to Collections

March 13, 2013

Dear Experian, I have a dispute with a security alarm company. They have implied a contract extension on a policy that I did not approve. I have not made a...

Name Change After Marriage Won’t Hurt Credit Scores

March 13, 2013

Dear Experian, I am married for a second time. Can having my maiden name and two married names negatively affect my credit score? My "middle" score is 780 but I...

Getting Removed as a Joint Credit Card Account Holder

February 28, 2013

Dear Experian, I am a cosigner and the secondary user on a credit card. I am not the primary user. I want my name removed from the account. I called...

Late Payments for Debt Settlement Hurt Credit Scores

February 28, 2013

Dear Experian, I am considering signing up with a debt settlement company. They told me that in order for them to negotiate the best deal with my creditors I must...

Joint Accounts Can Help Spouse Qualify for Credit

February 28, 2013

Dear Experian, I have been married for many years and have always had credit with my husband. If I ever need to apply for credit on my own, will I...