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Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can’t find what you’re looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

How do I become a member to post debts?

Experian receives credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices.

In order for a business to report account information it must become an Experian subscriber.

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There are several news stories this week pertaining to a consumer’s quest to achieve the best credit score. Currently, lenders have set their standards for good credit scores around 730. Those that hold a score of 730 or higher are assured in getting the best options when it comes to financing a loan, obtaining car insurance, or other financial services.

While it is good news that consumers are taking a more proactive interest in their credit scores, the quest to achieve a score of 800 or more may not be as achievable as one would think. Personal finance experts are now saying that once a consumer has achieved a FICO score of 760, efforts to increase that score any higher may be ‘futile’.

Once a 760 score is achieved, consumers are not likely to find any better interest rates or financial service offers that are better than that. Howeve

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It’s that time of year again – time to fill your brackets, load up the fridge, and sit back to take in March Madness on the big screen TV. Better yet, why not get on a plane and experience the action in the flesh? Sound like madness? Maybe not.

Consider this: with a new Citi Dividend Platinum Select or Chase Freedom card you can cover the cost of a game ticket ($189 at Stub Hub). By spending $500 on your trip – for travel, hotel and dining – these cards will give you $200 cash back. When would that opportunity ever come up again? Or, if you’re not that into the Madness, you could do the same for any trip you want to plan for Spring Break. It’s like getting paid for having fun.

Both cards are currently offering a $200 cash back bonus for spending $500 on your card within its first three months of enrollment. That’s on top of the 1% cash back rewards you’ll earn on every purchase. And, when you u

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Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can’t find what you’re looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

My credit report says my score is reduced because I have no revolving credit accounts. Would it help my score to apply for and use a credit card?

Each time a credit score is calculated a series of risk factor statements is generated. Those statements describe what from your personal credit report is most affecting the score you received.

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New credit reporting tactics mean that rent payments may now have an impact on your credit score. So if you haven’t been faithful about making timely payments because they’re not reported to the credit bureaus, it’s time to change that habit.

In June 2010, Experian purchased RentBureau, a rental reporting agency that collected rental payment information. Months later, Experian began reporting timely rent payments on consumers’ credit reports. Those payments, in turn, were reflected in consumers’ VantageScore based on Experian credit report data. This year, Experian plans to begin reporting both negative and positive rental history. That means late payments can hurt you the same way that timely payments can help you.

A newer credit reporting agency, CoreLogic, is working with FICO, provider of the well-known credit score, to create a credit report and credit score that includes rental payment history, according to the New York Times. Timely ren

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If you are one of the millions of people who are trying to climb their way out of a financial hole with hopes of rebuilding their credit and “doing it right” this time, chances are you have received dozens of “pre-qualified” or even “pre-approved” credit card offers. While they may appear as a potential step in the right direction, selecting the wrong offer could send you back into a credit hole deeper than where you started. Most First Premier Bank credit cards do just that.

One in particular, First Premier Platinum Card, should sound alarms as it plants more credit landmines than it does opportunities for credit redemption. In fact, sho

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