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As anyone who has ever had even a single credit card knows, credit can be a complex business. If you’re a credit–active consumer–or want to become one–you’re bound to have questions.

To help you get the answers you need, we have a two-fold resource. Here's how it works.

Check our Expert’s Archive first to see if your question has already been answered. If it hasn’t, then feel free to Ask the Expert!

Every week, we pick five questions that are, over all, most relevant to our users. We then post these questions (anonymously, of course) with their answers on this page. These answers may then be archived for future reference. All you need to do is check back every week to see if your question has been chosen. And even if you don’t see your specific question, chances are that you will still benefit from reading the answers to others’ questions. You might even find answers to questions you have yet to ask!

This Week’s Top Five

How will my fiancé’s bad credit impact me?

How do I rebuild good credit?

Is it bad to switch credit cards to take advantage of low interest rates?

Is it better to have credit cards with zero balance on your credit report or just close them outright?

Is it a good idea to place a consumer statement on my credit report?

Expert’s Archive



-Bankruptcy
-Consumer Credit Counseling
-Cosigner & Authorized Users
-Credit Risk Scoring
-Handling Delinquency & Old Debt
-Mortgage & Foreclosure
-What's Included in a Credit Report
-Building Good Credit
-Collections
-Credit Fraud & Identity Theft
-Establishing Credit
-Marriage & Divorce
-Reporting Periods for Credit Information
-When Someone Else's Information Appears on Your Report


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