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Like just about anything else in life, your credit isn’t something you were born knowing about.
I was surprised to see my credit card was reported over the limit by $19 within five days of the charge occurring.
Our policies for Ask Experian:The information contained in Ask Experian is for educational purposes only and is not legal advice. Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions, Inc.Other product and company names mentioned herein are the property of their respective owners. Now we're offering our most popular monitoring product with 3 more credit scores FREE, giving you a total of 4 Credit Scores per year.
It's never been easier to track and protect your credit — and stay on top of your score. Equifax is one of the leading credit reporting agencies in the United States — the other two major credit bureaus are Experian and TransUnion. Lenders, employers, landlords, and other service providers buy your credit information in the form of a credit report to help them decide whether to approve your application for a loan, credit card, job, or housing, or to offer you a product or service at a particular rate. While all consumers are eligible for one annual free credit report, it's important that you review your credit information regularly to check its accuracy as credit files change constantly.
A credit report does not include information about your checking or savings accounts, bankruptcies that are more than 10 years old, charged-off or debts placed for collection that are more than seven years old, gender, ethnicity, religion, political affiliation, medical history, or criminal records. A credit score is a rating used by a lender to help determine whether or not you qualify for a particular credit card, loan, or service. Many different mathematical formulas are used to calculate credit scores and each credit reporting agency provides different credit scoring models. FICO stands for Fair Isaac Company, an organization that established an equation to represent your creditworthiness in a three-digit number. The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline. Guarantors, also called cosigners, and joint account holders have the same responsibility with regard to the debt.
Cosigners and joint account holders are both equally responsible for repayment of the debt.
Provided all payments are made on time, the payment history for either type account should help him build a positive credit history.
If you would like to search for a particular topic within the Ask Experian columns, please use the search at the top. Access any monetary filings such as past evictions, overdue child support payments, foreclosures or fall behind on lease payments. See what your creditors, insurers, landlord and employer see when they judge your overall credit worthiness and financial stability.

Receive assistance improving your credit through individual credit trending information and personalized debt analysis.
Your Consumer Credit Report offers real time assistance pointing out negative items and inaccuracies.
It's sad but true - if you're a victim of identity theft, creditors consider you guilty until you can prove you're innocent. Even though it was paid within the statement date, my credit score went down by seven points. Credit plays an important role in your life – affecting the purchases you make and much more. Live Credit Smart captures the latest credit topics that are trending today and brings insights from nationwide studies with statistics on credit health to debt management. Be a part of our finance conversation on Facebook and stay up to date about breaches and other topical finance news, participate in our #CreditChat on Twitter to connect directly with the world’s finance leaders, and join us on Tumblr for fun water cooler facts about credit and finance! You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Equifax credit monitoring products can help monitor and protect your credit by alerting you of any changes to your credit report. Compiled from credit applications you've filled out, this information normally includes your name, current and recent addresses, Social Security number, date of birth, and current and previous employers.
The bulk of your credit report consists of details about credit accounts that were opened in your name or that list you as an authorized user (such as a spouse's credit card). Credit reporting agencies record an inquiry whenever your credit report is shown to another party, such as a lender, service provider, landlord, or insurer. Also, your credit score is generated by information on your credit report, but is not part of the report itself. The credit reporting agencies apply an in-depth mathematical model (called an a€?algorithma€?) to the information in your credit file to yield your credit score.
The free credit report only tells half of your credit story … knowing your credit score can help to monitor the overall health of your credit. For example, Equifax is the exclusive provider of the FICO Score, which is used by most lenders.
This, along with public records, generally accounts for approximately 35% of your credit score.
Matters of public record such as bankruptcies, judgments, and collection items may lower your credit score.
In general, a longer credit history is better and can sometimes have a positive impact on your score.
The presence of too many open accounts can have a negative impact on your score, whether you're using the accounts or not.

Therefore, the account would appear on both your report and your son’s report, and will contribute to his credit score as well as yours.
Any late payments made on the account will negatively affect not only his report, but yours as well. We're living in the information age and your information is out there just waiting to be stolen.
Most identity theft victims never know their identity has been stolen until they get phone calls and letters from agencies or even the IRS telling them they owe money.
Ask Experian responses draw on the knowledge of Experian’s experts in credit reporting, credit scoring, direct marketing, automotive history, identity theft and other areas from across the company.
The more insight you have about credit, the easier it is to strengthen your financial well-being. Account details, which are supplied by creditors with which you have an account, include the date the account was opened, the credit limit or amount of the loan, the payment terms, the balance, and a history that shows whether or not you've paid the account on time.
Most credit scores estimate the risk a company incurs by lending you money or providing you with a service — specifically, the likelihood that you'll fail to make payments in the next two to three years. A record of late payments on your current and past credit accounts will typically lower your score. I was willing to guarantee the personal loan, but the bank wants me to be a joint borrower. That means you should trust him to make the payments, but also make sure you have access to the account to verify that it is being paid as agreed.
Closed or inactive accounts, depending on the manner in which they were paid, stay on your report for 7 to 11 years from the date of their last activity. Being consistent about paying on time can, over time, have a positive impact on your credit score. If I agree, it is not clear to me whether my son’s credit rating will improve as much as if I were just the guarantor. While maintained for your information, archived posts may not reflect current Experian policy.
However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.

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