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If your current credit card balance is different from the balance on your credit report, i...
It's possible to file bankruptcy with $35,000 in credit card debt, but whether or not that...
There’s nothing a credit repair service can legally do for you—even removing wrong informa...
You can contact your credit card company or dispute your report with Experian if your cred...
If you're thinking of closing one of your credit cards because you don't use it anymore, t...
Buying a foreclosure property could be a great way to save money on your home purchase. Ju...
Credit reports document your history of borrowing and repaying loans and lenders and other...
When you default, it will remain on your credit report for seven years from the date of th...
When you settle an account, the creditor will update the account on your credit report to ...
Cosigning an auto loan means you're responsible for the payments, and your credit could su...
A default can result in fees, lawsuits, lost property and credit damage. Depending on the ...
Requirements for filing Chapter 7 and Chapter 13 bankruptcy include meeting income guideli...
If you cosigned for a loan on a car that was repossessed, you're probably wondering what y...
A late mortgage payment might stay on your credit report for up to seven years, but you ca...
If a collection account appears on your credit report because you missed debt payments, a ...
Hard inquiries only affect your credit minimally, and are not even considered by credit sc...
You may be able to increase a secured credit card's credit limit by making an additional s...
A car repossession is removed from your credit report seven years from the date of the fir...
Most information on your credit reports can be disputed, but certain items are simply a ma...
Missing payments on a car loan can cause a lender to repossess your vehicle. An alternativ...
Judgments—court orders to pay unpaid debt issued in response to creditor litigation—can of...
A vehicle repossession can not only upend your life but it can also damage your credit. He...
While there's no such thing as medical bankruptcy, overwhelming medical debt can be discha...
If you're considering filing for bankruptcy, you should know that the process cannot elimi...
Excellent credit is a big part of getting approved, but it’s not a guarantee. Information ...
Not only does a credit limit determine how much you can spend on an account, it can have a...
If you've never had credit, such as a loan or credit card, you won't have a credit report....
If you fall behind on your car payments, the consequences can be dire. Your loan could go ...
Foreclosure does major damage to your credit, but these suggestions can help you restore y...
Collection accounts reported to the consumer credit bureaus will show up on your credit re...
Incorrect personal information may be a sign of fraud or a simple mistake. In either case,...
Disputing inaccurate credit report data has no direct effect on credit scores, but if a di...
Hard inquiries will stay on your credit report for 24 months, but their potential negative...
It may take a month or longer to see a change in your credit scores once you pay off an ac...
As you pay off credit cards, you may think it's best to close the accounts—but keeping the...
There are several reasons why a credit card company may close an account without notice. H...
Debt collection agencies work with lenders and creditors to collect outstanding debt. Wor...
A business viewing your credit must have a legally permissible purpose for doing so. Your ...
Income is not part of your credit report, but lenders may ask about it in credit applicati...
Account re-aging often refers to when a debt's statute of limitations gets reset. Learn ho...
Credit repair companies may offer to fix your credit—for a fee. Here's why you should reje...
Items previously deleted from your credit report could reappear in certain circumstances. ...
Credit repair companies may promise to remove late payments—but they have no more power th...
Learning that your account has gone to collections can strike fear in anyone. Learn about ...
Adding a statement to your credit file can help you, but it's a move you should take with ...
The closed accounts that appear on your credit reports will disappear after either seven o...
You can opt out of prescreened credit offers online or over the phone, but staying opted-i...
Foreclosures, and the late payments that lead up to them, have a major negative effect on ...
Ready to remove your name from a joint credit card because circumstances have changed? Fin...
Defaulting on an account and declaring bankruptcy are very different, but they can both hu...
Collections may appear on credit reports long after the unpaid debts that spawned them, bu...
A Chapter 7 bankruptcy will stay on your credit report for 10 years from the date of filin...
Dear Experian, How can I find out what accounts are hurting my credit? – RBR
Dear Experian, I pay everything on time, but my score is still low. Mortgage inquiries are...
By Karen Axelton
