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What is Experian's Phone Number?

Phone numbers for credit reporting agencies (CRA's), such as Experian, Equifax and TransUnion, are often hard to come by. Sometimes the best thing to do is to get through to someone, anyone, explain your situation, and ask them to direct you to the right department.

Here are some phone numbers to try to reach Experian:

Experian's Phone Numbers
Disputes:   888-397-3742
Others:   800-322-3162
Fax:   972-390-3809

Who can report information about my credit history?

Anyone who subscribes to a credit bureau terminal can report negative information to the credit bureaus. Furthermore, nearly all collection agencies have terminals. When your debt is turned over to a collection agency or the creditor seeks a judgment, that account will probably find its way onto your credit file.

How do credit cards get cloned?

Credit card cloning, or "skimming" as it is sometimes called, is a technique whereby someone obtains your credit card details, copies them onto a bogus card and begins using the credit card. While credit card theft itself is not new, the manner in which the information is stolen is still not clear to many people.

The first step is to recruit an individual willing to participate in the scheme. Bartenders, wait staff, or shop assistants are often prime targets because of the sheer volume of credit cards they handle.

How can I lower my gas bills using gas rebate credit cards?

If only personal income rose at the same rate as gas prices! Unfortunately, they do not. But many people may be surprised to discover that credit cards are a way to soften the blow each time you fill up at the pump. Gasoline rebate credit cards are becoming more and more popular as gas prices reach record highs. 

Can I Build Credit History as an Authorized User?

Yes, an authorized user can build credit history.

An authorized user is someone who is added to another person's credit card account and authorized by the principal cardholder to use that account. The authorized user receives a credit card with his name on it and is able to use the credit card as if it were his own.

Where can I file a consumer complaint?

If you have a problem with a particular company and would like to file a complaint, we recommend you do so through PlanetFeedback.com.

PlanetFeedback maintains the most innovative and comprehensive service anywhere for submitting complaints directly to companies. While registration is not required, members can take advantage of additional benefits such as tracking letters, managing responses and rating their satisfaction level.

My credit card has been lost/stolen. What do I do?

The first thing you should do immediately is contact the financial institution that issued your credit card and inform them that your card has been lost or stolen. The bank will close the credit card account, thus preventing any transactions from being charged to the account. Upon your request they will then issue you another credit card with a new account number.

Why are some credit cards not available in Wisconsin?

If you are a Wisconsin resident you will have noticed that some credit cards are not available to you. Wisconsin consumer laws favor consumers (as well they should), and that apparently is a deterrent for some credit card issuers. Whether or not a particular credit card offer is made available to Wisconsin residents depends entirely on the bank, and varies with each credit card issuer.

Are there hidden costs associated with credit cards?

Strictly speaking, no. However, there are often annual fees, application fees or late fees that apply, the details of which have to be revealed to the applicant. It is important to always read the terms & conditions and all fine print thoroughly so that you fully understand all costs associated with a particular credit card.

We feature cards with no annual fees and cards with annual fees that build credit or offer great rewards. Check out our Credit Cards section for more information.

I didn't apply for this card, why was money taken out of my checking account? How do I get my money back?

Sometimes, the legal name of a credit card issuer may be slightly different than the name by which they are widely known. So first, make sure the fee was not initiated by you. If you recently applied for a card of any kind, double check to confirm the fee deducted from your account is not for this card. 

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