Credit Advice

Ask Experian has been answering readers’ questions for more than 15 years. Hosted by Rod Griffin, Experian’s Director of Public Education. Ask Experian responses draw on the knowledge of Experian’s experts in credit reporting, credit scoring, direct marketing, automotive history, identity theft and other areas from across the company. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. The information contained in Ask Experian is for educational purposes only and is not legal advice. For more information see the footer below.

Settling a Debt Will Hurt Your Credit Score

December 7, 2011

Dear Experian, Does it hurt my credit score if I settle my account? - EWH

When is a Collection Account Deleted

December 7, 2011

Dear Experian, Is it legal for a collection agency to submit an account that they buy from a creditor as "new" even though that same account before it was purchased...

Steps for Removing a Tax Lien Filed in Error

November 23, 2011

Dear Experian, I had a lien on my account in 1999 from the state of South Carolina for payroll tax. I have a letter from them stating that the lien...

Inquiries from Utilities on Your Credit Report

November 23, 2011

Dear Experian, How do inquiries from utility, cable television/internet, cellular telephone and residential rentals impact credit scores since payment histories are never reported? - MDB

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

Creditors Might Use a Credit Report to Locate You

November 9, 2011

Dear Experian, Can creditors find you through a credit check? - DMW

Benefits of Paying a Collection Account

November 9, 2011

Dear Experian, I have a credit card account on my report that has gone to a collection company and was written off by the credit card company. If I make...

Bank May Not Notify You if Cosigner Doesn’t Pay

November 9, 2011

Dear Experian, I co-signed my son’s auto loan. He was over 30 days late on one payment. Why should that impact my credit score when I was never notified by...

Invalid Report Number

October 26, 2011

Dear Experian, I received a report number, but when I put it in it says it's invalid. Why? - MCK

Balance on Credit Report Same as Statement

October 26, 2011

Dear Experian, Is there a way to make a credit search show my current balance on a card rather than the balance on the last statement? - REQ

Contact Information for Collection Agencies on Credit Report

October 26, 2011

Dear Experian, I am trying to pay off my debts with collection agencies, but I do not know who to contact as they do not send me any collection notices...

Find Out Who Has Checked Your Credit Report

October 12, 2011

Dear Experian, How do I verify that a company indeed checked my credit report? - HOD

Improving Credit Score Without a Credit Card

October 12, 2011

Dear Experian, How can you improve your credit score if you don't have any credit cards? - HQB

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...

Mortgage Company Not Required to Report Payments

September 28, 2011

Dear Experian, I am a homeowner for five years now, and am wondering why my mortgage company does not have to report my mortgage to the three credit bureaus....

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