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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

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...

Can you have a tax lien removed once it has been paid?

January 2, 2018

Tax liens are public records of unpaid or delinquent taxes. They are essentially a debt you owe to the government at the local, state or federal level. An unpaid...

Can one 30-day late payment hurt your credit score?

December 5, 2017

A 30-day late payment will hurt your credit scores. The most important factor in every credit score is your payment history, which accounts for approximately 35 percent of the...

How do I stop receiving credit card offers in the mail?

November 21, 2017

You can “opt out” of receiving preapproved or prescreened credit offers from mailing lists generated for lenders by Experian and the other national credit reporting agencies. To do so,...

How Can I Remove Late Payments from My Credit Report?

November 14, 2017

If the late payment is accurate, it will remain on your credit report for seven years from the date of the missed payment, which is called the original delinquency...

How Long Does It Take to Build Credit?

November 9, 2017

If you have never used credit before, it will take a minimum of three to six months to build a scorable credit history. Once you have opened a credit...

Why Are There Different Credit Scores, and Is One More Accurate Than Another?

November 7, 2017

Credit scores help lenders predict the likelihood that a person will repay a debt as agreed. There are different credit scores for different kinds of lending, and different types...

Can I pay a credit repair company to remove something from my credit report?

September 12, 2017

There’s nothing a credit repair organization can legally do for you that you can’t do for yourself, for free. The Federal Trade Commission has said that a credit repair...

How Do You Increase Your Credit Score?

September 5, 2017

Every credit history is unique and there is no “one size fits all” solution for improving your credit scores. Learn more about two of important factors.

Can Rent Payment Be Put on My Credit Report?

August 24, 2017

Whether you live in a single house or a large apartment complex, your on-time payment behavior can help establish or build your credit history.

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