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Stacy Smith is Senior Public Education Specialist and has worked at Experian since 2006. She is part of Experian’s Corporate Social Responsibility team and supports the national consumer education programs and the company’s community involvement efforts. Stacy holds a B.S. in International Relations from the University of San Diego and a MBA from Pepperdine University.

Articles by Stacy Smith

How Can I Safely Close a Credit Card?

June 12, 2018

To close a credit card, you need to notify the credit card company and request an account closure. The credit card company will deactivate your account and report it...

Do you get penalized for paying off a car loan or mortgage early?

May 29, 2018

Your credit scores will not be penalized for paying off a car loan or mortgage early. Assuming you paid your car loan or mortgage on time, every time, it...

Is it better to pay off your credit card every month or just stay under the recommended 30 percent?

May 15, 2018

It’s best to pay your credit card balance in full each month and not carry a balance at all, if you can. The recommended 30 percent utilization rate, or...

What’s the best way to build credit for teenagers?

May 5, 2018

Establishing credit and learning to use it wisely when you are a teenager can make the transition to adulthood much easier. As a parent, there are a few things...

Does closing a bank account affect your credit?

April 17, 2018

Bank account information is not part of a credit report. Therefore, when you close a bank account, whether it’s a savings or checking account, it does not affect your...

What is a charge off and collections and how long can they stay on your account?

April 17, 2018

The term “charge-off” describes the status of an account when it has become severely delinquent. The lender has determined it will not receive payment and writes the amount off...

Is it best to pay collection accounts in full or negotiate for less than you originally agreed?

April 3, 2018

Whenever possible, it’s best to pay a collection account balance in full. Once the entire collection account balance has been paid, the status of the account will be updated...

Can inquiries be removed from my credit report?

March 20, 2018

If an inquiry is the result of fraud, it can be removed. If the inquiry is accurate and the result of an application that you have made, or from...

Do you need a credit score to rent a house or apartment?

March 6, 2018

Having a positive credit report can play a big role in qualifying for an apartment or rental home. Most apartment complexes and management companies will want to review your...

Can medical bills affect your credit report?

February 20, 2018

Your medical history is not part of a credit report, but past due medical debts can affect your credit reports and credit scores. If a medical bill is left...

How long does it take information to come off your report?

January 18, 2018

The length of time that information stays on your credit report depends on the type of information. As a rule of thumb, most items remain on your credit report...

How does reporting your rent to credit bureaus help your credit?

January 11, 2018

Having positive rent payments reported to Experian can be incredibly helpful for people who are trying to build their credit history for the first time or who are recovering...