Credit Advice

Ask Experian has been answering readers’ questions for more than 15 years. Hosted by Rod Griffin, Experian’s Director of Public Education. Ask Experian responses draw on the knowledge of Experian’s experts in credit reporting, credit scoring, direct marketing, automotive history, identity theft and other areas from across the company. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. The information contained in Ask Experian is for educational purposes only and is not legal advice. For more information see the footer below.

How Can I Improve My Credit Score from Fair to Good?

August 24, 2017

Dear Experian, I cosigned for my son to get a vehicle, and I was unaware he missed a payment. I just found out by checking my credit report, and...

How Long Does an Eviction Stay on Your Record?

August 22, 2017

Dear Experian, I was evicted almost seven years ago, and at one point I saw the money owed on my credit report in collections. Now, I don’t see it....

Prepaid Card Basics

August 17, 2017

Over the last few years, there has been explosive growth in the use of prepaid debit cards. In fact, use of these cards rose by 50% between 2012 and...

Can I Get Out of a Car Loan without Ruining My Credit?

August 17, 2017

Dear Experian, If I voluntarily surrender my vehicle and I pay off the settlement balance of the difference between what they sold it for and what I still owe,...

What is a Rewards Credit Card?

August 17, 2017

Rewards credit cards are hot: a recent Experian survey found 45% of Americans who plan to apply for new credit cards are doing so because they want rewards cards....

I Can’t Pay My Mortgage. What Should I Do?

August 15, 2017

Dear Experian, I haven’t been late yet, but I am having trouble paying my mortgage. I’ve lived here for many years and want to stay in the house. What...

How Can I Add My Good Payment History to My Credit Report?

August 10, 2017

Dear Experian, I have for a number of years attempted to correct my credit report to show my current mortgage, which is in good standing. No matter what I...

Will Paying My Credit Card Balance Every Month Help My Credit Score?

August 8, 2017

Dear Experian, Is it better to pay off the entire balance on a credit card each month, or to always leave a small balance to carry over? – OHR...

Do Student Loans Affect My Credit Score?

August 3, 2017

Dear Experian, Do student loans affect your credit scores? If so how are they used in the calculation? – LBC Dear LBC, Student loans affect your credit report and...

Multiple Inquiries When Shopping for a Car Loan

July 27, 2017

Dear Experian, I went car shopping one day and now there are lots of inquires that say they will be on my credit report until 2015. Is it right for...

How Can I Find Out How Much I Owe on My Student Loans?

July 25, 2017

Dear Experian, How would I go about finding who I owe money to for my student loans and how much I owe? – SMC Dear SMC, Your credit report...

Can Creditors Garnish My Wages?

July 20, 2017

Dear Experian, Can a creditor still garnish your wages even though the account is showing “closed” on my credit report? The account shows as, “Charged off as bad debt....

Can I Remove Negative but Accurate Information from My Credit Report?

July 18, 2017

Dear Experian, I have a debt from a department store credit card. It was charged off a few months ago. I have the money to pay it now. I...

How Long Does It Take for a Repossession to Come off Your Credit?

July 13, 2017

Dear Experian, I am a graduate student with no income. I have a car payment that hasn't been paid in two months, and now they want to repossess it. I...

What Does It Mean to Default on a Loan?

July 11, 2017

Dear Experian, I had student loans in default that have now been consolidated and brought current through another company earlier this year. All student loans are still reporting as...

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