dwaindaddy asked: I am thinking about allowing a credit counseling service (Take Charge America) to consolidate all my unsecured credit. Will this help or hurt my credit rating once I complete the program in about 3.5 years?

sayyeahh asked: I am attempting to build a positve credit rating and I need a card that reports to the credit bureau, but will allow me to obtain it without a credit check. HELP?

Sara asked: I received a letter in the mail from Juniper (iTunes Rewards) stating that they have closed my credit card account due to inactivity. I opened the account about 18 months ago and have never actually used it. Can they close my account just like that without any warning? How should I handle the [...]

wrightemail256 asked: Can I start building my credit by paying for things with my bank card and telling them to charge it on credit? (I do not know much about how to build my credit so please help me!) Question: Best credit card to get to starting building credit and can I build my credit [...]

Kristy R asked: I’ve heard bad stuff goes off your credit report after 7 years, so can you wait it out and have decent credit again after 7 years? Anyone know how that works or what to do to fix it?

MSB asked: I know that applying for a new card will reduce my FICO, and that increasing credit limits (while keeping debt amounts constant) will increase my score – but this would not be the case if requesting the increase in credit limit is treated as a new credit card application?

Des-n-Jes asked: I currently have 3 credit cards. I just got approved for another and it is in the mail on it’s way. I paid off the one with the lowest credit limit, and was thinking about cancelling it and just keeping the other three. I have been working on building my credit for a [...]

radioactive_babywipes asked: I’ve heard that once you pay off a credit card you shouldn’t close the account to keep a good credit score. I’ve also heard that even though one pays off his credit card reducing the credit limit is also not a good option for keeping a great credit rating. What is the best [...]