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.

I moved to the U.S. two years ago and have since applied three times for a department store card. Requests got denied because I apparently didn’t have a credit score. I also applied for a secured credit card which got approved, and I am slowly starting to build my credit score. Unfortunately, I already have four hard requests.

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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.

Someone is using my five-year-old daughter’s Social Security number. They already have two credit cards open under her number. What should I do?

Just because someone has used your daughter’s Social Security number does not necessarily mean that they have stolen her entire identity or that she will have a credit report in her name. How

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Reviewing a customer’s credit report to determine creditworthiness before you provide a loan or service helps minimize your risk. The credit bureaus consist of three large companies: Experian, TransUnion and Equifax. Loans, government claims, judgments or unpaid bills may be reported to one or all three of the credit bureaus, so choosing only one report might provide incomplete information. Purchasing a credit report directly from one of the main bureaus might prove too expensive if you have a small business.

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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 can you improve your credit score if you don’t have any credit cards?

When you use a credit card you decide how much to charge and how much to repay each month.

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Errors in credit reports and credit scores could be a thing of the past very soon, as borrowers may be equipped with more teeth to fight against erroneous reports. This may include noticing discrepancies such as a difference in credit scores that are obtained by consumers when compared to the data that is given to the lenders, only because the data was obtained through another agency or service provider.

Despite the fact that we live in a new era altogether, where there are tighter mortgage and banking rules, the only aspect of the loan market that hasn’t changed is the credit bureau. T

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