Featured article:

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.

Read More

Am I able to get an old foreclosure taken off my credit report?

June 8, 2017

Foreclosure is a legal proceeding used by a mortgage lender to take ownership of your home if you default on your mortgage loan. Once the foreclosure proceedings have started,...

How Can I Tell if a Debt Collector is Legitimate?

June 8, 2017

Dear Experian, On my credit report it states that there is an open account for more than $400 to a company I have never heard of. I searched the...

How important is credit card utilization?

June 6, 2017

Credit card utilization is the second most important factor in credit scores. Your utilization rate, or balance-to-limit ratio, is simply the total of your credit card balances divided by...

What is a Creditor?

June 6, 2017

Dear Experian, I received a letter from Experian today stating that within the last 30 days, changes to my name, address, or Social Security number were reported to you...

What is a Grace Period?

June 1, 2017

Dear Experian, If you make payments within the grace period, does that affect your credit report? – TWB Dear TWB, A grace period is a set amount of time...

Do student loans affect a credit score?

June 1, 2017

Student loans are a debt obligation just like any other and can affect your credit scores in the same way. Student loans are a type of installment loan, like...

Does paying off a car loan impact your credit scores?

May 30, 2017

Paying off your car loan can affect your credit scores. Assuming you paid your car loan on time, every time, it will almost certainly reflect positively on your credit...

Is My Credit Report Supposed to Show My Closed Accounts?

May 23, 2017

Dear Experian, Should closed and paid off accounts be taken off my report or does that not matter? – JOM Dear JOM, Even though an account is paid off...

How Does Being an Authorized User Affect My Credit Score?

May 18, 2017

Dear Experian, How does being an authorized user affect my credit? The account is in good standing and has a long history, but a high — 85 percent —...

What Is a Credit Builder Loan?

May 16, 2017

Dear Experian, My credit score is very low. I have no credit history other than recent hospital bills on my credit report. I get denied for everything: bank loans,...

How Do I Deal with Debt Collectors?

May 11, 2017

Dear Experian, How should I deal with debt collectors? I have seen on other blogs that once the third party debt collector contacts you it starts the seven-year period...

Survey Findings: Are Consumers Making It Easier for Identity Thieves?

May 10, 2017

Identity theft is frustrating, confusing, and benefits from a lot of misconceptions according to new survey information. The results also point to the general lack of urgency around identity...

How Can I Get Inquiries Deleted from My Report?

May 9, 2017

Dear Experian, I have 19 inquiries on my credit report from Experian. I have been declined for credit cards three to four times in the recent past. The reason...

Audio: 4 Financial Readiness Tips for Veterans & Military Families

May 5, 2017

Military service members face unique financial challenges with the nature of their work. Discover tips that can help you save today and plan for the future.

Can You Build Credit with a Debit Card?

May 4, 2017

Dear Experian, I’m trying to establish a positive credit history. I’ve been paying my power bill and my telecommunications, internet and cable bills on time every month for over...

Credit Education

Get Your Free Credit Report

View your free Experian Credit Report every 30 days on sign in.

No credit card required.

Get Started for Free