Credit Advice » Life Stages

Life Stages

Your credit history doesn’t instantly spring to life one day; it grows with you over time and changes as you go through different life stages. Many life events can affect your credit, including:

  • Renting an apartment
  • Student loans
  • Employment
  • Marriage
  • Divorce
  • Kids
  • Death of a relative
  • Joint accounts

What Is a Credit Builder Loan?

May 16, 2017

Dear Experian, My credit score is very low. I have no credit history other than recent hospital bills on my credit report. I get denied for everything: bank loans,...

Can You Build Credit with a Debit Card?

May 4, 2017

Dear Experian, I’m trying to establish a positive credit history. I’ve been paying my power bill and my telecommunications, internet and cable bills on time every month for over...

Audio: Talking Couples and Money with Elle Martinez

February 6, 2017

Join our chat with Elle Martinez of Couple Money to learn more about how she recommends people start having a couples' money chat – and when.

Does Leasing a Car Build Credit?

January 17, 2017

Dear Readers, We are sometimes asked whether leasing a car can help you build credit and the answer is, yes it can. In terms of credit reports and credit...

Should I pay off my car loan early?

November 22, 2016

Dear Experian, I took out a car loan to help build my credit. I was thinking about paying if off in February. I would have had the loan for...

How Do I Remove a Mortgage from My Credit Report After a Divorce?

November 10, 2016

Dear Experian, I was divorced in 2007. My husband kept the mortgage and stayed in the home. I was removed from the title and responsibility of that loan in...

Should I get a secured loan to build my credit?

October 25, 2016

Dear Readers, A secured loan is any loan that is backed or guaranteed by collateral. This means that if you default on the loan payments, the lender can take...

How to Start Building Credit

September 6, 2016

Dear Experian, I’m currently a college student. How do I start building credit? Is having a credit card enough to establish credit while being a college student? –          KMA...

How Long Does It Take To Build Credit

August 9, 2016

Dear Experian, How long does it take to build credit? – ALM Dear  ALM, Building a positive credit history takes time. There is no quick fix and no way...

Refusing to Cosign on a Loan to Protect Credit

July 17, 2016

Dear Experian, I am trying to get a student loan, but my parent's refuse to cosign because they fear cosigning for my student loan will affect their credit score, thus...

How Student Loans are Reported on Your Credit Report

August 20, 2015

Dear Experian, I have an account number that was reported late for student loans. I did not realize the amount due had changed, so I continued to send the...

Using Credit Cards to Establish Your Credit History

April 11, 2015

Dear Experian, I have been approved for two credit cards with two different limits and interest rates. One offers cash back rewards. I am trying to build my credit....

Have a Question for Experian?

Your privacy and the information collected here.

Get Your Free Credit Report

View your free Experian Credit Report every 30 days on sign in.

No credit card required.

Get Started for Free

What Should You Know About the Dark Web?

Learn more about what the dark web is, and why it should matter to you as a part of your identity protection strategy.