Credit Advice

Ask Experian has been answering readers’ questions for more than 15 years. Hosted by Rod Griffin, Experian’s Director of Public Education. Ask Experian responses draw on the knowledge of Experian’s experts in credit reporting, credit scoring, direct marketing, automotive history, identity theft and other areas from across the company. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. The information contained in Ask Experian is for educational purposes only and is not legal advice. For more information see the footer below.

Audio: Talking Couples and Money with Elle Martinez

February 6, 2017

Join our chat with Elle Martinez of Couple Money to learn more about how she recommends people start having a couples' money chat – and when.

Are rent to own loans good for my credit?

August 1, 2016

Dear Readers, People often ask if rent-to-own loans help build a credit history. Unfortunately, the answer is no, because such loans are not currently reported to the credit reporting...

What is a secured credit card and will it help my credit?

July 27, 2016

Dear Experian, A bank has a new credit card for those with poor credit. They say you have to put down a $300 deposit, and after that deposit they’ll...

The Effects of Charging Over Your Credit Card Limit

May 19, 2016

Dear Experian, I was surprised to see my credit card was reported over the limit by $19 within five days of the charge occurring. Even though it was paid...

How to Request a Credit Report When You Are Incarcerated

January 18, 2016

Dear Experian, My fiancé is incarcerated and he wants a copy of his credit report. What can I do to help him get one? We have tried the www.annualcreditreport.com site...

How to Obtain a RentBureau Report

January 3, 2016

Dear Experian, How do I get a free consumer report from Experian RentBureau? My landlord has found incorrect information on the service he uses. - TNY

Credit Monitoring and Fraud Protection

December 27, 2015

Dear Experian, I want fraud protection, but I also want to know my FICO score and have credit monitoring. Is there a program that I can get all of that? ...

Previous Mortgage Still Appearing on Credit Report

December 19, 2015

Dear Experian, We refinanced our home with a different lender and my credit report is showing I have two mortgages. How long will it take for the lender that was...

Credit Counseling vs. Debt Settlement

December 7, 2015

Dear Experian, What is difference between credit counseling and debt settlement? - CKB

Remove Authorized User Accounts from Credit Report

November 23, 2015

Dear Experian, Is an authorized user responsible for the debt? If an authorized user is removed from the credit card, can the credit card also be removed from the...

How to Remove an Incorrect Address from Your Credit Report

September 30, 2015

Dear Experian, An address for my bankruptcy lawyer suddenly appeared on my credit report as a single family residence and you won`t let me remove it. It says to contact...

Paid Auto Loan Remains on Credit Report

September 6, 2015

Dear Experian, When checking my credit report, I noticed that my old auto loan was still on the report. I had received a letter from them months ago saying the...

Dealership Pulled Copy of Credit Report in Error

August 24, 2015

Dear Experian, I recently found out that a car dealership pulled a hard inquiry on my credit without my consent. I also had a password protected account with them. The...

How Student Loans are Reported on Your Credit Report

August 20, 2015

Dear Experian, I have an account number that was reported late for student loans. I did not realize the amount due had changed, so I continued to send the...

Updating Credit Report to Show Lien Released

August 14, 2015

Dear Experian, How do I amend my credit report to show that a federal tax lien has been released? - CCF

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Are rent to own loans good for my credit?

Dear Readers, People often ask if rent-to-own loans help build a credit history. Unfortunately, the answer is no, because such loans are not currently reported to the credit reporting...