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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 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...

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.

Do Companies Report a Late Payment If It’s Only a Few Days Late?

August 22, 2017

Learn more about how late payments can potentially affect your credit report.

How Is a FICO Score Calculated?

August 17, 2017

Learn how like all other credit scores, FICO scores are calculated using the information in your credit report

Can Secured Credit Cards Improve Your Score?

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...

How Often Does Your Credit Score Update?

August 1, 2017

The information in your credit report is constantly being updated. Learn more about how often these changes occur.

What is a soft inquiry?

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...

What’s the best way to dispute incorrect information?

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...

Is it better to pay off bad debt or to settle it?

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...