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Should I Use a Credit Card or Debit Card to Improve My Credit Score?
Dear Experian, Does a credit card help increase your credit score faster than a debit card? - COD Dear COD, Debit cards are not credit accounts, so debit card transactions are not reported to the...
View ArticleHow Can I Separate the Credit Reports of a Father and Son?
Dear Experian, How do you go about repairing credit when it has been commingled with your son? Both father and son have the same name. - ILB Dear ILB, Commingling credit histories, commonly referred to...
View ArticleHow to Update Balance Information on Your Credit Report
Dear Experian, On your website, you state that you update credit card payments when my bank does. My credit report from your institution is three months behind. This is affecting my credit scores and...
View ArticleHow Can I Protect Myself After My Information Was Stolen?
Dear Experian, I returned from two weeks away from my house to find it had been burglarized. Among the missing items are some credit cards, and I have notified the card issuers. However, my Social...
View ArticleCan a Credit Limit Decrease Hurt Your Credit Score?
Dear Experian, Your creditor raises your credit limit. As a consumer, you are not comfortable with the increase, and you would like to lower the credit limit. What impact does this have on your credit...
View ArticleHow Can I Get My Credit Ready to Apply for a Home Loan?
Dear Experian, With rent prices increasing, I've decided it may be time to buy a home. How do I get my credit in good shape to apply for a mortgage? - RFM Dear RFM, If you're planning to apply for...
View ArticleWhy Aren’t Accounts Removed Immediately After Bankruptcy?
Dear Experian, I have completed my Chapter 13 bankruptcy plan. How do I have the creditors names removed from my credit report? - HNS Dear HNS, Neither declaring bankruptcy nor completing a bankruptcy...
View ArticleHow to Add a Security Freeze to Your Credit File
Dear Experian, How can I add a credit freeze to my credit report? - FSG Dear FSG, You have the right to request a credit freeze, also known as a security freeze, with Experian online, by phone or by...
View ArticleWhy Do I Have Bad Credit if I’ve Made On-Time Payments?
Dear Experian, Why is my credit bad? I pay everything on time. - WOD Dear WOD, There is more to having good credit than just paying all of your bills on time, although that is extremely important. What...
View ArticleHow Long Does an Eviction Stay on Your Record?
Dear Experian, I was evicted almost seven years ago, and at one point I saw the money owed on my credit report in collections. Now I don't see it, but I know it was there at one time. Do you think this...
View ArticleCollection Account Reported in Error
Dear Experian, What should I do if a collection company won't remove a collection that is in error despite providing written proof? - SBS Dear SBS, If you've already disputed a collection account with...
View ArticleWhat Happens When Medical Bills Go to Collections?
Dear Experian, I owe a large medical bill and have been making monthly payments to the hospital, but they recently told me that if I don't start paying a higher amount, they will turn the debt over to...
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Will My U.S. Credit History Transfer to Canada?
Dear Experian, I am a citizen of both the U.S. and Canada. I currently reside in the U.S., but I plan to move with my family back to Canada. Will my United States credit history transfer to Canada? Are...
View ArticleWill My Credit Improve After Paying Off My Student Loans?
Dear Experian, My student loans were just paid in full. Will this improve my credit score? - STL Dear STL, Congratulations! Paying off your student loans is a great accomplishment, but how it will...
View ArticleDo Repossession and Voluntary Surrender Appear on a Credit Report?
Dear Experian, How long does a derogatory closure of an account pertaining to an auto loan affect your credit scores? - EST Dear EST, A "derogatory closure" of an auto loan account most likely refers...
View ArticleHow Will a Voluntary Surrender Impact My Credit Score?
Dear Experian, I am considering a voluntary vehicle surrender rather than letting my car be repossessed. What ramifications can I expect, both financially and on my credit report and credit scores, if...
View ArticleWhat Does “Derogatory” Mean on a Credit Report?
Dear Experian, I have something showing on my credit report called "derogatory." Can you please explain to me what that means? - WDS Dear WDS, A derogatory item is considered negative, and typically...
View ArticleHow Do I See if My Child Has a Credit Report?
Dear Experian, How do I check to see if my children have open credit reports? - WMV Dear WMV, Experian does not knowingly maintain credit reports on minor children. However, a parent may add a child as...
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