Here’s when a closed account is removed from your credit reports and how a closed account affects your credit.| www.experian.com
Learn when it’s a good idea to request a credit limit increase and when you should hold off on requesting a higher credit limit.| www.experian.com
Maintaining a low credit utilization ratio is one of the best ways to get a good credit score. Here are five ways you can keep your utilization low.| www.experian.com
Credit mix is a factor of your credit score that accounts for the variety of revolving and installment accounts you have. Learn how credit mix works.| www.experian.com
Both VantageScore and FICO develop credit scores that lenders and creditors can use to evaluate applicants. Learn what makes their scoring models different.| www.experian.com
Many types of debt can be sent to collections, including credit card balances and auto loans. Debt sent to collections has a serious impact on your credit.| www.experian.com
Revolving credit lets you borrow money up to your credit limit, pay it back and then borrow it again. Learn how revolving credit works.| www.experian.com
An installment loan can help you finance a large purchase, consolidate debt and more. Here's how they work and how they can impact your credit.| www.experian.com
While the length of your credit history impacts your scores, it is not as important as other factors. Learn how credit history works and what to focus on.| www.experian.com
Maintaining a clean payment history—or refurbishing a spotty one—can help you improve your credit scores and save you money.| www.experian.com
Experian is committed to helping you protect, understand, and improve your credit. Start with your free Experian credit report and FICO® score.| www.experian.com
Learn about what factors affect your credit scores, steps you can take to improve your credit and how to check your credit score for free.| www.experian.com
The average credit score is 715 and most Americans have scores between 600 and 750, with 700+ considered to be good. Find out more on how you compare.| www.experian.com
A hard inquiry happens when you apply for new credit, such as a car loan. Learn what it means on your credit report and how it affects your score.| www.experian.com
Learn what a credit limit is on your credit card, how your credit limit impacts your credit score and how to increase your credit limit.| www.experian.com
Your credit utilization rate is the percentage of your revolving accounts’ balances that you’re using.| www.experian.com