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

Income is Not Part of a Credit Report

December 21, 2011

Dear Experian, How do I get the word to Experian that my income has greatly increased? I was denied a credit limit increase on my credit card, and I...

Social Security Number Used to Open Credit Cards

November 23, 2011

Dear Experian, Someone is using my five-year-old daughter’s Social Security number. They already have two credit cards open under her number. What should I do? - REN

Inquiry for Employment Will Not Affect Credit Score

September 28, 2011

Dear Experian, I have been applying for work at employment agencies. They want my permission to conduct a credit check. My concern is that I was told in the past...

Joint Checking Account Will Not Help Your Credit

September 28, 2011

Dear Experian, Does having a joint checking account bring down a person’s credit score? - WAG

Use Credit Cards and Pay Balances to Build Credit

September 14, 2011

Dear Experian, I am trying to rebuild my credit. Is it better to keep a zero balance on the credit cards that I have recently paid off or keep a...

Increasing Employee Credit Knowledge

August 31, 2011

Dear Readers, According to research by the Personal Finance Employee Education Foundation (PFEEF), as many as 80 percent of employees spend work time dealing with financial issues, costing companies as...

Student Loans Listed as Transferred

August 17, 2011

Dear Experian, My student loans were consolidated into a new loan. Both the new loan and all of the old loans are on my credit report. The old loans say...

Deleting a Mortgage After Divorce

August 3, 2011

Dear Experian, I have been divorced over one year. My ex-spouse was awarded the house and all bills that she has with that house. I want that off my credit...

Reestablishing Credit After Moving from Canada

July 20, 2011

Dear Experian, I recently moved here from British Columbia, Canada, and when I apply for a credit card here you deny it because you say my credit information is not...