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

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,...

Why Previous Names Appear on Your Credit Report

September 10, 2013

Dear Experian, I am married for a second time. Can having my maiden name and two married names negatively affect my credit score? My "middle" score is 780 but I...

Using Secured Credit Cards to Improve Credit History

September 10, 2013

Dear Experian, What is your opinion about using secured credit cards to improve credit history, especially if there is no current history (last entries were in 2004)? - PAS

Freezing Your Child’s Credit History

August 24, 2013

Dear Experian, I have two young children (both under the age of four). Because I have heard of even young children being the victims of identity theft, I am considering...

When an Ex-Spouse Attempts to Get Your Credit Report

August 23, 2013

Dear Experian, I was divorced a little over a year ago. My former spouse knows all of my identifying information. Could he get a copy of my credit report? - IEB

Marrying a Spouse who Declared Bankruptcy

August 20, 2013

Dear Experian, I would like to get married to a man who filed for bankruptcy. I have great credit, and he has a new slate. Will it wreck my credit...

What Happens to Your Credit Report When You Die

August 16, 2013

Dear Experian, What happens to your credit file when you die? Does the file get closed right away, or does it stay open for a period of time? - THB

Importance of Establishing Credit When Young

August 16, 2013

Dear Experian, Why is it important to establish credit while you're young? If I don’t establish any credit will it affect my future and why? - OZY

Employer Listings on Your Credit Report

August 16, 2013

Dear Experian, I used to see my Experian credit report. You have my current employer incorrectly listed. The employer you show was a couple of jobs ago, and...

How to Notify Experian that Someone Has Died

August 14, 2013

Dear Experian, Where can I fax a death certificate so the individual's report can be flagged appropriately? - TBW

Ex-Spouse’s Address Appears on Credit Report

August 14, 2013

Dear Experian, After viewing my credit report, I saw that two addresses are addresses where I have never lived. They are addresses of my ex-husband. How do they get on...

Unemployment Claims Do Not Affect Your Credit Report

August 13, 2013

Dear Experian, My colleagues and I had a debate over these questions: Will filing an unemployment claim be reported on credit file? If so, will it affect future credit consideration?...

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