Debt

Is all debt bad? Is any debt good? How you perceive debt, and how it affects your credit, depends on many factors, including how much debt you have, how well you’re able to pay it, and the kind of debt. Too much debt is bad if it leaves you struggling to pay your monthly bills and affects your credit utilization ratio.

You have many options for dealing with debt and managing its impact on your credit. Explore to find out the impact of debt consolidation on your credit, how your spouse’s debt can impact your own credit, and whether or not you can remove existing debt from a bankruptcy.

Credit Card Under Different Name on Credit Report

January 4, 2012

Dear Experian, I have two credit cards that are affiliated with private companies. Neither of these credit cards shows up on my credit report. Both have large limits with small...

When is a Collection Account Deleted

December 7, 2011

Dear Experian, Is it legal for a collection agency to submit an account that they buy from a creditor as "new" even though that same account before it was purchased...

Benefits of Paying a Collection Account

November 9, 2011

Dear Experian, I have a credit card account on my report that has gone to a collection company and was written off by the credit card company. If I make...

Contact Information for Collection Agencies on Credit Report

October 26, 2011

Dear Experian, I am trying to pay off my debts with collection agencies, but I do not know who to contact as they do not send me any collection notices...

Removing Authorized User Accounts After a Breakup

August 17, 2011

Dear Experian, I broke off a relationship in October 2009 where I was an authorized user on several credit cards. My ex-girlfriend told me she removed me as authorized user....

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5 Budget-Friendly Ways to Give Back

As the holiday season ramps up, Americans often increase their charitable giving. Here are five ways to give to others while still staying on budget.