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How does adding an authorize user to your account affect your credit?

March 3, 2016

If you’re the primary account holder, simply adding an authorized user to your credit card won’t directly affect your credit report or credit scores.  But, the way the authorized...

Does getting a free credit check does that put a ding on credit?

March 3, 2016

You can get copies of your personal credit report as often as you like without having any impact on credit scores. When you get your personal report directly from...

Can unemployment affect a credit score?

March 3, 2016

Credit reports do not show unemployment filings or unemployment claims. They only show credit and debt-related information. The impact of unemployment could be reflected in your credit report if...

Is there any way to remove judgments?

March 3, 2016

If they are accurate, there is no way to remove judgments prior to the specified deletion date, which is seven years from the filing date. However, if you pay...

Do evictions show on a credit report?

March 3, 2016

Credit reports do not indicate that you have been evicted from your residence.   However, credit reports could include a collection account for unpaid rent or lease payments or a...

What is the opt-out program?

March 3, 2016

The term opt-out refers to requesting that you be removed from preapproved and prescreen credit offer lists.  Lenders send Experian a list of customer criteria that define the consumers...

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Here’s How Much Your Personal Information Is Selling for on the Dark Web

The dark web is a huge marketplace for stolen data and personal information. Find out how much your information is selling for on the dark web.