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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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How to Get Your First Credit Card

August 9, 2017

Getting your first credit card can seem pretty simple. After all, credit card companies mail tons of offers every year, including “pre-approved” applications, along with countless more email offers...

Will Paying My Credit Card Balance Every Month Help My Credit Score?

August 8, 2017

Dear Experian, Is it better to pay off the entire balance on a credit card each month, or to always leave a small balance to carry over? – OHR...

Medical Debt and Your Credit Score: Here’s What You Need to Know

August 8, 2017

The ongoing political debate in Washington is causing a lot of uncertainty about health care. But Americans are about to get some relief from the potential harm medical costs...

White House Phishing Scam a Warning to All Americans: Here’s How to Avoid Getting Hooked

August 3, 2017

Phishing scams keep popping up in the news and scammers are getting more sophisticated, and bold. CNN recently reported on an email scam targeting the White House. The incident...

Do Student Loans Affect My Credit Score?

August 3, 2017

Dear Experian, Do student loans affect your credit scores? If so how are they used in the calculation? – LBC Dear LBC, Student loans affect your credit report and...

3 Ways to Save on Back-to-School Shopping

August 2, 2017

Summer doesn’t officially end until September 21, but many kids around the country are wrapping up their last days of camp and pool time to head back to school....

Here’s Why More Americans Don’t Want to Be Homeowners

August 1, 2017

If you’re house hunting, it can feel like the market is moving quickly and everyone is buying. An index of homes under contract, known as pending home sales, jumped...

Multiple Inquiries When Shopping for a Car Loan

July 27, 2017

Dear Experian, I went car shopping one day and now there are lots of inquires that say they will be on my credit report until 2015. Is it right for...

How Can I Find Out How Much I Owe on My Student Loans?

July 25, 2017

Dear Experian, How would I go about finding who I owe money to for my student loans and how much I owe? – SMC Dear SMC, Your credit report...

Student Loan Paperwork Snafu Could Mean Billions of Dollars in Debt Will Disappear

July 24, 2017

Many borrowers with student loan debt may have just received an unexpected gift. As reported by the New York Times, a paperwork snafu may potentially relieve thousands of people...

Can Creditors Garnish My Wages?

July 20, 2017

Dear Experian, Can a creditor still garnish your wages even though the account is showing “closed” on my credit report? The account shows as, “Charged off as bad debt....

Can I Remove Negative but Accurate Information from My Credit Report?

July 18, 2017

Dear Experian, I have a debt from a department store credit card. It was charged off a few months ago. I have the money to pay it now. I...

What is a soft inquiry?

July 18, 2017

An inquiry is a record that someone has looked at your credit report. There are two types of inquiries – soft and hard. Soft inquiries are only seen by...

How Long Does It Take for a Repossession to Come off Your Credit?

July 13, 2017

Dear Experian, I am a graduate student with no income. I have a car payment that hasn't been paid in two months, and now they want to repossess it. I...

What Does It Mean to Default on a Loan?

July 11, 2017

Dear Experian, I had student loans in default that have now been consolidated and brought current through another company earlier this year. All student loans are still reporting as...

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