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Articles by The Experian Team

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...

Should I pay off my car loan early?

November 22, 2016

Dear Experian, I took out a car loan to help build my credit. I was thinking about paying if off in February. I would have had the loan for...

How long will my medical bills remain on my credit report?

November 17, 2016

Dear Experian, I paid off a $47 medical bill I didn’t know about in May 2016. I just saw it’s still on my credit report. I contacted the collection...

What is a debt validation letter? How do I know if I need one?

November 15, 2016

Dear Experian, I sent a debt validation letter to a collection agency and it’s been over 30 days and still I haven’t received a response. How long do I...

Remove Mortgage from Credit Report after Divorce

November 10, 2016

Dear Experian, I was divorced in 2007. My husband kept the mortgage and stayed in the home. I was removed from the title and responsibility of that loan in...

What Credit Score Do I Need to Buy a Car?

November 8, 2016

Dear Experian, I’m trying to buy a car. How can I improve my credit score quickly? What credit score do I need to buy a car? – BBK Dear...

How Does Credit Repair Work?

November 3, 2016

Dear Experian, How do I begin repairing my credit history? How does credit repair work? – BLR Dear BLR, What is Credit Repair? When people mention credit repair, they...

How many credit cards is too many?

November 2, 2016

Dear Experian, I think I have too many credit cards and would like to close a couple. I have good payment history with these credit cards; however, I heard...

Can a Paid Charged Off Account be Removed from the Report?

October 27, 2016

Dear Experian, What is needed to remove a charge off from your credit report if you pay the disputed amount? – HWM Dear HWM, Charged Off Accounts Not Removed...

Should I get a secured loan to build my credit?

October 25, 2016

Dear Readers, A secured loan is any loan that is backed or guaranteed by collateral. This means that if you default on the loan payments, the lender can take...

What is Debt Management?

October 18, 2016

Dear Experian, I have significant credit card debt and I’m considering a consolidation loan. Is this a good idea? What other debt management options are there? – JCB Dear...