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State of Credit: 2017

The 2017 Experian State of Credit provides a comprehensive look at the credit behavior of consumers across America to determine the states and cities whose residents have the highest, lowest and most improved average credit scores. Take a look at the full study.

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Cosigning for an Apartment Lease Could Hurt Your Credit

January 1, 2014

Dear Experian, I would like to better understand how co-signing for apartment leases affects credit. - IAB

Adding a Phone Number to a Temporary Fraud Alert

January 1, 2014

Dear Experian, I want to add my cell phone number to my file because I just put in a 90 day fraud alert. I noticed when I pulled my file...

Paid Student Loans Listed by Semester and Your Credit

January 1, 2014

Dear Experian, I have student loans on my report with different amounts but the same account number. They are all under accounts in good standing. I think that they are...

Authorized User Account Not Appearing on Credit Report

December 18, 2013

Dear Experian, I checked my credit report online and saw that it says I have no credit cards. I am an authorized user on a card, and I pay the...

Being Removed as a Cosigner from Student Loans

December 4, 2013

Dear Experian, I co-signed college loans for my children. They are now both out of school, working and re-paying the student loans on time with no delinquencies. I would like...

Lender Might Repossess Car After Non-Payment

December 4, 2013

Dear Experian, I took out a loan for a van in 2008 and lost my job shortly afterwards. I only made two payments on it. The lender never came looking...

Recent Late Payments Hurt Credit Scores the Most

December 4, 2013

Dear Experian, Why has my credit score dropped 42 points? There is a late payment on one of my cards which has since been brought current, and four of my...

Mortgage Loan Not Reported after Declaring Bankruptcy

November 20, 2013

Dear Experian, We filed bankruptcy two years ago and want to either refinance our home or possibly buy a new home. When the bank pulled our credit they said that...

What “Too Few Accounts Paid as Agreed” Means

October 30, 2013

Dear Experian, How can "too few accounts currently paid as agreed" be a reason for an adverse effect on my credit score when I currently have no unpaid accounts? - MIJ

Changing Your Address on Your Credit Report

October 30, 2013

Dear Experian, How do I change my address on my credit report? - GLP

Be Proactive in Preventing Fraud

October 24, 2013

As National Protect Your Identity Week (Oct. 20–26) nears an end, think about how you can actively protect your identity. Here are several ways to use your credit report...

Establishing Credit Before College

October 9, 2013

Dear Experian, I am a 19 year old college student trying to establish credit early, and it would be helpful throughout college to have a low limit credit card just...

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