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Articles by The Experian Team

How Long Do Collections Stay on Your Credit Report?

January 10, 2017

Dear Experian, How long does it take for a collection to be deleted from my credit report? – SMQ Dear SMQ, Your credit report is a history of all...

I’d Like to Improve My Credit Score by 100 Points. What Are Some Steps I Can Take to Do So?

January 5, 2017

Dear Experian, What steps can I take to improve my credit score by 100 points? – KKB Dear KKB, Every credit history is unique, so it’s impossible to say...

What is a Credit Limit?

January 3, 2017

Dear Experian, I received my credit score. It says “amount of revolving credit card balances is too high,” but I do not owe anything. How do I clear the...

What Does “Good Standing” Mean on My Credit Report?

December 29, 2016

Dear Experian, I consolidated my school loans last year. Should I work to have those closed accounts removed? There are several of them. I don’t know, even though they’re...

How Does an Eviction Affect Your Credit?

December 27, 2016

Dear Experian, I am trying to apply for an apartment but they say there is an eviction on my record. Where would I find this information and how do...

What is a Rapid Rescore? Is it something I should consider?

December 22, 2016

Dear Experian, I currently have a pre-approval for a home loan and would like to get a better rate by improving my credit scores. I have credit cards and...

Should I cosign on my son’s car loan? Are there any risks to my credit?

December 20, 2016

Dear Experian, I want to help my son build his credit. Is cosigning for a car loan a smart way to do it? Cash flow is not an issue,...

How to Find Out What You Have in Collections

December 15, 2016

Dear Experian, When I checked my credit report through an online service, my report showed that I had nothing in collections. When a bank that I went to pulled...

What To Do When You Lose Your Purse or Wallet

December 14, 2016

Dear Experian, My handbag was stolen recently and with it I lost my license, our Social Security numbers, etc. I am planning to put a credit freeze on my...

How Will Using My Credit Card for Large Purchases Affect My Credit?

December 8, 2016

Dear Experian, If I have an introductory zero-interest window on a new credit card (15 months), and I use that card to pay off a home renovation – will...

What do you need to rent an apartment?

December 6, 2016

Dear Experian, I’m going through a divorce, and I need to get an apartment; therefore, I need advice on how to get my credit score up as much as...

What is revolving credit?

December 1, 2016

Dear Experian, What is a revolving account? – ABP Dear ABP, The term “revolving credit” or “revolving account” refers to an account on your credit report that has a...