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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...

What should you do if you have fallen behind on credit card payments?

June 15, 2017

If you have late payments on your credit report, the best thing you can do is to bring the account current. Creditors view your payment history as the most...

How can you recover from credit fraud?

June 13, 2017

If you think you have been a victim of identity theft or credit fraud, visit www.experian.com/fraud. On the site, you can request a free initial security alert be added...

Am I able to get an old foreclosure taken off my credit report?

June 8, 2017

Foreclosure is a legal proceeding used by a mortgage lender to take ownership of your home if you default on your mortgage loan. Once the foreclosure proceedings have started,...

How important is credit card utilization?

June 6, 2017

Credit card utilization is the second most important factor in credit scores. Your utilization rate, or balance-to-limit ratio, is simply the total of your credit card balances divided by...

Do student loans affect a credit score?

June 1, 2017

Student loans are a debt obligation just like any other and can affect your credit scores in the same way. Student loans are a type of installment loan, like...

Does paying off a car loan impact your credit scores?

May 30, 2017

Paying off your car loan can affect your credit scores. Assuming you paid your car loan on time, every time, it will almost certainly reflect positively on your credit...

How can you check your minor child’s credit report if you suspect illegal activity?

April 4, 2017

If you are concerned that someone may have used your minor child’s identification information fraudulently, you can request a copy of your child’s credit report for free by following...

Are credit reports combined when you get married?

April 4, 2017

Credit reports are not merged when you get married. Each spouse maintains their own credit report with the accounts they had prior to entering the marriage. If only one...

How often does your credit report get updated?

April 4, 2017

Typically, lenders report your account information once a month, but each account on your report may be updated at different points throughout the month, depending on that creditor’s reporting...

Does closing an account hurt your credit?

March 30, 2017

Closing an account can affect your credit and make your credit scores temporarily drop. When you close an account, you lose the available credit limit on that account, which...

Who do you pay when an account has been sent to collections?

March 30, 2017

If your account was sent to collections, you will need to pay the collections agency directly. Once the account is sold or transferred to a collection agency, the collection...

How long after paying off a credit card will my credit score to go up?

March 30, 2017

It can take several months to see scores increase after paying off your credit card. The account will be updated at the end of the billing cycle in which...

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7 Things You Need to Know Before Freezing Your Credit

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