Understand, Build and Manage Your Credit. Credit plays an important role in your life – affecting the purchases you make and much more. The more insight you have about credit, the easier it is to strengthen your financial well-being. Learn how to successfully manage your credit rating and protect against credit card fraud.
Your personal credit report contains details about your financial behavior and identification information. You can learn more about your credit report here.
You should check your credit report before making a big purchase. Find out what you need to know about checking your credit report here.
Staying on top of your credit report is important to your financial well-being. To help you learn the basics, here’s a section-by-section breakdown of an Experian consumer report.
If the collection information is valid, you must wait 7 years from the original delinquency date, and if it is inaccurate, you can file a dispute.
Information on what and how hard inquiries work, the impacts to your credit report and score, and tips on how you can manage them.
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
Glossary of definitions for common credit report account and payment status terms.
Most credit scores fall between 600 and 750. A score above 700 usually suggests good credit management. Find out more about good credit scores here.
A credit score is a number lenders use to help them decide how likely it is that they will be repaid on time if they give a person a loan or a credit card. Click to learn more.
Learn about the factors that can impact your credit score, along with the types of information on your credit report that can negatively impact your score.
Your credit score can help determine whether or not you qualify for a credit card or loan. Learn how your credit score is calculated and why it matters to lenders.
Find out what a credit utilization rate or ratio is, how it can impact your credit report and score, and recommendations to minimize its impact.
Find out the steps you can take to build your credit history. Get tips for using credit and advice for first-time credit seekers.
Learn about the factors influencing your credit and what steps you can take to rebuild your credit and towards a more positive credit score.
Ready to improve your credit score? Click here to find out how to improve your score and how long it will take before you see a change.
What should you do if you have a bad credit history or rating? Find out the steps you should take to improve your credit.
“Fixing” a bad credit score takes time, but there are options if you have trouble getting approved for a credit card or loan.
There isn’t anything that a credit repair service is able to legally do for you — even removing wrong information — that you can’t do for yourself for little or no expense.
Credit fraud is a broad term for the use of a credit card (or any comparable type of credit) to buy goods or services with the intention of evading payment. Click to find out more.
Learn what credit card fraud is, what the types are and how to identify them, how it can impact your credit, and what to do if you become a victim.
Experian is committed in helping consumers with fraud and with protecting consumer credit information. Learn more about fraud prevention here.
Find out the steps you should take if you notice something unfamiliar or suspicious on one of your accounts or if someone commits fraudulent activity using your identity.
Find answers to commonly asked questions about fraud, identity theft, fraud alerts, security alerts, recognizing fraud, victim statements and more.
View contact information and resources for assistance with matters of fraud. Find out who to contact based on the type of fraud or suspected fraud you’ve experienced.
Find out the basics and learn the benefits and risks of using credit cards, with a glossary of terms, and how they can impact your credit report.
Information on the pros and cons of using balance transfers, what things to consider, and alternatives of using balance transfers.
Learn how personal loans work, what they are and glossary of terms, the pros and cons, and how personal loans can impact your credit.
Find out what a debt-to-income ratio is, what a good ratio percentage is, how it’s used, and what you can do to improve your ratio.
Learn about bankruptcy, what the different types are, what the common bankruptcy terms are, and the impacts it can have to your credit.
Responsible credit card usage can help build your credit, while excessive debt can cause stress, but there are options for handling credit card debt.
Getting out of debt will take time, planning, and maybe some professional help. Find out some steps you can take to help you become debt free.
Information on the different ways to consolidate debt, how it can impact your credit report and score, and moving beyond debt.
Learn about the benefits of a debt management plan, what types of debt can be included, and what the pitfalls can be with its impacts.
While you and your spouse each have separate credit reports and scores, joint accounts can impact both of you. Learn more about marriage and credit here.
How does divorce impact your credit? Click to learn more about credit and divorce and find tips for maintaining a positive credit history.
Managing your credit in the event of a death can be difficult, especially if your spouse held most of the credit in his or her name. Find advice and resources here.
Federal law allows potential and current employers to view a modified version of your credit report for employment purposes such as hiring or promoting. Find out more.
Your credit report and credit score can be big factors in purchase decisions. Learn how you can prepare for life’s major purchase events, like buying a home.
If you own a small business, there may be a business credit report in your name. Learn more about business credit reports and establishing business credit.
Make sure you’re set for a happy retirement. Click here for advice about your credit, Social Security, and retirement planning.
Find answers to commonly asked questions about credit reports, including what’s on your credit report and how you can make changes.
Find out how credit scores are determined and why they’re important in this section of frequently asked questions about credit scores.
Credit is borrowed money that you can use to purchase goods and services when you need them. Click here to learn more about what credit is and why you need it.
Do you believe these common credit myths? Click here to learn more about how credit reports and credit scores really work.
Learn how life events, such as starting college or getting a divorce, can affect your credit. Find out how you can establish and maintain a positive credit history.
Get the authoritative information from Experian on how to dispute credit information, along with tips and the different ways to contact Experian.
View commonly asked questions about Experian’s disputing process and questions about how certain items can impact your credit report.
Get specific information on how you can dispute by mail, along with all of the necessary documentation, along with what the next steps are.
Learn how you can send documents to Experian by using our upload service, along with frequently asked questions about the upload process.
Frequently asked questions from AnnualCreditReport.com on identity theft, security freezes, data breaches, filing a dispute, and inaccuracies.
Find out how you might end up on a mailing list for pre-approved credit card offers. Learn more about your consumer rights.
You may choose to exclude your name from credit reporting agency lists for unsolicited credit and insurance offers. Learn more about what it means to “Opt Out” here.
Not sure what something means on your credit report? Use our glossary to find definitions for common credit and finance terms.
Read our latest blog posts about credit reports and credit scores. Get information about credit with infographics, and tips to help you navigate your credit.
View credit news and trends, along with our latest survey results and information on credit trends related to the consumer credit markets.
Get tips and advice on how you can protect your identity and prevent fraud. View our infographics and articles for tips to keep your identity safe.
Check out our video section to learn more about credit reports and credit scores from interviews with finance and consumer industry experts.
Listen to podcasts to find out more about credit and finance from interviews with personal finance and credit experts.
Find out what the Experian community is talking about. Click to learn more about live chats and upcoming credit Q&As on social media.