Late payments remain on the credit report for seven years. The seven-year rule is based on when the delinquency occurred.| www.experian.com
Learn what a grace period is, the average length of a grace period for credit cards, mortgages and student loans and how it compares to deferment.| www.experian.com
Your utilization rate is an important indicator of credit risk. A high utilization rate is a sign that you may be experiencing financial difficulty. As a result, high utilization hurts credit scores.| www.experian.com
The original delinquency date is the date the account first became delinquent and was not brought current, or the first late payment in a series.| www.experian.com
It may take a month or longer to see a change in your credit scores once you pay off an account. Find out what you need to know.| www.experian.com
Reviewing your credit report for discrepancies is easy and free. You can get a free copy of your credit report every week at AnnualCreditReport.com.| www.experian.com
Ordering your personal credit report and credit score from Experian can help you identify how to improve your credit scores.| www.experian.com
A discharged bankruptcy will have an impact on your credit scores as long as it remains on your credit report.| www.experian.com
You can choose the bills you want to add to Experian Boost, including eligible cellphone and utility bills.| www.experian.com
Boost your Credit Scores and raise your FICO® Score instantly for free. Millions of points already boosted across America.| www.experian.com