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.

What Is the Highest Credit Score Possible?

April 20, 2017

Dear Experian, My credit score is excellent, but I want the highest score that is available. What is the highest credit score possible? – BHB Dear BHB, The highest...

Is It Better to Pay off My Credit Card in Full Every Month or to Maintain a Balance?

April 18, 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...

How Can I Remove Incorrect Information From My Credit Report?

April 11, 2017

Dear Experian,I have an issue on my credit report that I believe came about when I traded my vehicle in for a new one. The creditor who held the...

Should I File for Bankruptcy?

April 6, 2017

Dear Experian, I have multiple charged off accounts and want to know if I should file bankruptcy or try to pay off the debt? I owe quite a bit....

How Do I Get a Good Credit Score?

April 4, 2017

Dear Experian, I was checking my credit score this month and can see my score came down. It gave the reason “% of balances to credit limits is too...

What Should I Do About Delinquent Accounts?

March 30, 2017

Dear Experian, I have missed a payment of $18 on my credit card. This was my first late payment on any card. This month, my credit score dropped by...

Should Closed Accounts Be Removed From My Credit Report?

March 28, 2017

Dear Experian, Can I get closed accounts with $0 balance removed from my credit report? – LLV Dear LLV, When you pay off and close an account, the creditor...

What If I Can’t Pay Back a Payday Loan?

March 23, 2017

Dear Experian, I had a payday loan I took out in 2011. I became unable to work and had to have surgery in 2012. I began attempting to repair...

What Is Wage Garnishment?

March 21, 2017

Dear Experian, I recently had a garnishment due to a medical billing and insurance coverage issue. The entire balance was paid in a matter of eight weeks. The collection...

Can You Pay off One Credit Card with Another?

March 16, 2017

Dear Experian, Will transferring a balance from one credit card to another credit card, not to a new card but one that I have already had for years that...

How Do I Find out Who I Owe Money To?

March 9, 2017

Dear Experian, How can I find out who I owe? I would like to know so that I can pay off my debt and clear up my credit. –...

Can I Apply for Credit Cards After Declaring Bankruptcy?

March 8, 2017

Dear Experian, Can I apply for credit cards after declaring bankruptcy? What kind of credit card might I qualify for? I am trying to rebuild my credit. – GSP...