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

Notifying Experian of the Death of a Relative

March 13, 2015

Dear Experian, My mother died recently, how do I get her information into your data bank? - PWG

Divorce Agreements and Credit Reports

December 28, 2014

Dear Experian, My divorce agreement requires that I write a letter to the credit agencies stating that all pre-marital debt on my report is my responsibility. Where should I send...

Maintaining Your Credit History after Getting Married

August 27, 2014

Dear Experian, When I got married my husband put everything in his name (utilities, house, etc.). I still have two credit cards in my name. How can I maintain good...

Removing Ex-Spouse’s Address from Credit Report after Divorce

May 2, 2014

Dear Experian, My credit report shows two addresses for my former husband, who moved to Virginia. I have lived in Illinois for 36 years. I was able to dispute one...

Student Loans and Your Credit Report

March 27, 2014

Dear Experian, My student loans are affecting my credit. Why? - NCB

How to Check if Your Child Has a Credit Report

February 12, 2014

Dear Experian, How do I check to see if my children have open credit reports? The form requires a driver's license number, which they do not have. - WMV

Paid Student Loans Listed by Semester and Your Credit

January 1, 2014

Dear Experian, I have student loans on my report with different amounts but the same account number. They are all under accounts in good standing. I think that they are...

Being Removed as a Cosigner from Student Loans

December 4, 2013

Dear Experian, I co-signed college loans for my children. They are now both out of school, working and re-paying the student loans on time with no delinquencies. I would like...

Establishing Credit Before College

October 9, 2013

Dear Experian, I am a 19 year old college student trying to establish credit early, and it would be helpful throughout college to have a low limit credit card just...

Requesting a Security Freeze for a Minor Child’s Credit Report

October 9, 2013

Dear Experian, I'm concerned that someone may use my minor child’s identification information fraudulently and I want to take precautions. How can I request a security freeze on a minor’s...

Updating Income on a Credit Report

September 27, 2013

Dear Experian, I’d like to complete my income information on my credit report. How can I do this? - RYD

Student Loans on Credit Report While in Deferment

September 27, 2013

Dear Experian, How long does it take after student loans are out of deferment for them to show up on a credit report? - LSM

Will Changing Your Name Impact Your Credit

September 10, 2013

Dear Experian, I'm getting married next week and am wondering if I should take my husband's last name. His credit is not quite good, while mine is very good. If...

Each Spouse Has Their Own Credit Report

September 10, 2013

Dear Experian, My husband and I are thinking about purchasing a car. I just printed out my credit report from Experian. Should my husband check his as well? Should we...

How a Minor Child May Have a Credit Report

September 10, 2013

Dear Experian, I am teaching a class at a local high school about credit fraud. A teacher mentioned to me that her daughter, who is under 12 years of age,...