Credit Education
- Glossary of Credit Terms
- FAQs
- Preapproved Credit Offers
  
  What’s in a credit report, how can you check it and how often should you review it? Make sure your credit information is accurate and check your Experian, Equifax and TransUnion reports side-by-side with Experian’s 3 Bureau Online Credit Report.
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    Preapproved Offers
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- Credit Advice
  
  Ask Experian
  
  Get credit information on the hottest topics from Experian’s team.
- Life Events and Credit
  
  Find out how life events affect your credit and how to build good credit for the major purchases in your life.
- Preventing Fraud
  
  Learn the warning signs of credit fraud, and get the credit information you need to protect yourself. Are you already a victim? Experian can help.
- Credit Scores
  
  What are credit scores, and how are they calculated? Get the answers to your credit score questions.
- Credit Reporting
  
  Improve your credit by understanding basic consumer credit information: what’s in a credit report, how to check it and how often you should review it.
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Disputes

A BAD CREDIT RATING

CAN YOU REWRITE HISTORY?

VantageScore®

Get the facts about this new, easy-to-understand credit score.

Bad Credit History and Rating

A bad credit history leads to bad credit scores
Improve your credit scores to get better interest rates
Mistakes on a credit report can be fixed

Your history tells creditors things such as if you pay your bills on time, how long you’ve used credit, if you’ve opened several credit cards in a brief time frame, and how much debt you have compared with your available credit limit. Credit scores are tools used by lenders to evaluate that information and determine the risk that you will not be able to repay a debt as agreed.

Although you can’t rewrite history, the passing of time will remove negative credit information from your report. Weak credit scores don't necessarily mean you won’t obtain credit. You can get rid of bad credit habits, restore your positive credit history, improve your credit scores and use credit to your advantage.

How Do You Improve a Bad Credit Score?

Know Your Credit Scores

Order an Experian 3 Bureau Online Credit Report^SM with free credit score. See your Experian, Equifax® and TransUnion® credit reports in one easy-to-read report.

Understand Your Credit Report

The majority of consumers don’t know what their credit report says.
Be aware of the important components that make up your credit report.

Make Sure You Are Not A Victim Of Credit Fraud

Learn how to prevent credit fraud and the actions you can take to restore your good credit, if you become a victim.

Improve Your Credit

In order to legitimately fix a bad credit history, you need to know the factors that gave you a low score in the first place. We’ll tell you what a credit score is and how it’s calculated.

VantageScore® is owned by VantageScore Solutions, LLC.

Credit Reporting

Improve your credit by understanding basic consumer credit information: what’s in a credit report, how to check it and how often you should review it.
Credit Scores

What are credit scores, and how are they calculated? Get the answers to your credit score questions.
Preventing Fraud

Learn the warning signs of credit fraud, and get the credit information you need to protect yourself. Are you already a victim? Experian can help.
Life Events and Credit

Find out how life events affect your credit and how to build good credit for the major purchases in your life.
Credit Advice

Ask Experian

Get credit information on the hottest topics from Experian’s team.
Preapproved Credit Offers

What’s in a credit report, how can you check it and how often should you review it? Make sure your credit information is accurate and check your Experian, Equifax and TransUnion reports side-by-side with Experian’s 3 Bureau Online Credit Report.
- Mailing Lists and
  Preapproved Offers
- Opt Out
FAQs
Glossary of Credit Terms

Credit 101

Personal Services

Ask Experian