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

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?...

How Divorce Can Impact Your Credit Scores

August 13, 2013

Dear Experian, I read that divorce does not impact your credit scores, but I've heard from people who are divorced that said it damaged their credit. If it doesn't impact...

The Benefits of Consolidating Student Loans

August 2, 2013

Dear Experian, Does it look bad to lenders checking your credit if student loans show up as several different loans? In other words, why consolidate? - SAR

College Student Declined for First Credit Card

April 24, 2013

Dear Experian, My daughter is trying to get her first credit card as a college student. They have denied her based on a credit report from you. How can a...

Name Change After Marriage Won’t Hurt Credit Scores

March 13, 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...

Joint Accounts Can Help Spouse Qualify for Credit

February 28, 2013

Dear Experian, I have been married for many years and have always had credit with my husband. If I ever need to apply for credit on my own, will I...

Student Loan Debt Listed as “Government Claim”

January 2, 2013

Dear Experian, On one of my student loan accounts this was posted: “Government Claim/Insurance Claim.” What does that mean? - RSC

Student Loans Reported as Claim Filed with Government

November 21, 2012

Dear Experian, My student loans were consolidated into a new loan. My old student loans now state “closed/paid collection” and, “Claim filed with government for insured portion of balance on...

Credit Scores Not Impacted by Employer or Income

October 24, 2012

Dear Experian, It appears all three credit reporting agencies had listed my employer incorrectly. What impact does my correct employment and earnings have on my credit rating? -RCH

Remove an Ex-Spouse’s Name from Credit Report

September 26, 2012

Dear Experian, I just got my credit report, and I see my ex-husband listed as my husband. We are already divorced. What can I do in this case? I have...

New Spouse’s Old Debt Won’t Hurt Your Credit Score

September 26, 2012

Dear Experian, If I have a very good credit score and I marry someone with a bad credit score and previous debt, does that affect my credit score? - DTR

How to Obtain a Deceased Person’s Credit Report

September 12, 2012

Dear Experian, I am the personal representative for my brother's estate. I'm trying to identify his active credit accounts so that I can compile a list of creditors for the...

Recent Graduate May Not Have a Credit Report

August 29, 2012

Dear Experian, What should I do if I cannot be found in your system? I am trying to obtain a credit report since I have just graduated college and would...

Contact Information for Medical Collection Accounts

August 29, 2012

Dear Experian, On my credit report there are two collection items. One says Medical Payment Data. The other just says Emergency Physician. I need their contact information, such as address...

Qualifying for New Credit with No Credit History

August 1, 2012

Dear Experian, I have no credit score and am unable to get credit for a car loan. How do I get a credit score? I have my own apartment and...

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