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
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...
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...
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...
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.
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.
August 22, 2017
Learn more about how late payments can potentially affect your credit report.
August 17, 2017
Learn how like all other credit scores, FICO scores are calculated using the information in your credit report
August 10, 2017
Secured credit cards can be great tools for rebuilding your credit history, provided the lender reports the secured credit card account to the credit reporting companies. Unlike a traditional...
August 1, 2017
The information in your credit report is constantly being updated. Learn more about how often these changes occur.
July 18, 2017
An inquiry is a record that someone has looked at your credit report. There are two types of inquiries – soft and hard. Soft inquiries are only seen by...
June 22, 2017
The easiest, fastest and safest way to dispute inaccurate information on your credit report is online at If you have a current copy of your personal credit report, you...
June 20, 2017
It is always better to pay your debt off in full if possible. Although settling an account is typically viewed more favorably than not paying it at all, a...
- Does an overdraft on my checking account affect my credit score?
- How long can negative items stay on your credit report?
- How often should I check my credit score?
- Is there a way to consolidate debt without ruining your credit?
- Does everyone start out with the same credit score?
- I’m 16 years old. How do you get started with credit?
- How does cosigning affect your credit? Does it show as a debt?
- If you apply for two credit cards in the same month, will it affect your credit score twice?
- How can a credit score from TransUnion and Experian be 50 points different?
- Why do Experian, Equifax and TransUnion differ so much in score?
- Remove Authorized User Accounts from Credit Report
- How Long Do Inquiries Impact My Scores?
- 5 Reasons Your Credit Scores May Have Dropped (And What That Can Mean)
- Will I Qualify For That Car Loan?
- Separating Credit Reports of Father and Son
- Credit Scores and Your Home Equity Line of Credit
- The Meaning of “Too Few Accounts Paid as Agreed”
- U.S. Credit History Will Not Transfer to Canada
- The Impact of Credit Counseling on Credit Scores
- Insurance Inquiries Do Not Affect Credit Scores
- Getting Removed as a Joint Credit Card Account Holder
- Consigning for an Apartment Could Help or Hurt Credit
- Missing Accounts Not Reported by Your Lenders
- Cell Phone Payments are Not Reported