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7 Things You Need to Know Before Freezing Your Credit

Thinking about freezing your credit? Find out the seven things you should consider before taking any action.

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Will Your Credit Scores Change This Summer?

July 7, 2017

As of July 2017, Experian, Equifax and Transunion are making updates when it comes to how items such as civil judgments and tax liens will appear on your credit...

Can I Negotiate with Debt Collectors?

July 6, 2017

Dear Experian, I have two charge offs on my credit report from two different credit cards. Is it possible to get the credit card companies to remove the charge...

How Long After Getting My First Credit Account Will a Score Be Created?

June 29, 2017

Dear Experian, I am an international student. It was very difficult for me to get a credit card application approved even after getting a job and getting a Social...

I Am Having Trouble Answering the Online Security Questions. What Should I Do?

June 27, 2017

Dear Experian, I cannot access my credit report online. I was asked several security questions about accounts I did not recognize. I have the form to request the report...

What’s the best way to dispute incorrect information?

June 22, 2017

The easiest, fastest and safest way to dispute inaccurate information on your credit report is online at If you have a current copy of your personal credit report, you...

How Do I Report Identity Theft?

June 22, 2017

Dear Experian, How do I add a fraud statement to my credit report? I want to warn creditors that I have recently been a victim of identity theft and...

Is it better to pay off bad debt or to settle it?

June 20, 2017

It is always better to pay your debt off in full if possible. Although settling an account is typically viewed more favorably than not paying it at all, a...

What Happens to Debt When I Die?

June 20, 2017

Dear Experian, In the event of a family member or spouse’s death, who becomes responsible for the deceased’s debt? What if there is no insurance or money left by...

Real Estate Investment 101

June 19, 2017

Do you know how real estate can help you achieve financial independence and confidence? Make sure you've got the right information.

Audio: Joint Accounts and Your Credit

June 19, 2017

It’s one of the most common misconceptions about credit: knowing how the finer points of joint accounts work. Many people think that as you start to merge your finances...

What Should I Do if I Don’t Recognize a Creditor on My Credit Report?

June 15, 2017

Dear Experian, I have two items on my credit report that I am not familiar with. I do not know what these entries are for. What should I do?...

What should you do if you have fallen behind on credit card payments?

June 15, 2017

If you have late payments on your credit report, the best thing you can do is to bring the account current. Creditors view your payment history as the most...

Avoiding Summer Identity Theft: 5 Must-know Steps

June 15, 2017

While the details of flights, hotels and activities are top of mind for most travelers, many forget to take simple steps before they travel to protect their identity.

When Does the 7 Year Rule Begin For Delinquent Accounts?

June 13, 2017

Dear Experian, I had a 30-day late payment in April 2011 and one 90 days late in September of 2011. When would the seven-year rule start? April or September?...

How can you recover from credit fraud?

June 13, 2017

If you think you have been a victim of identity theft or credit fraud, visit www.experian.com/fraud. On the site, you can request a free initial security alert be added...

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