Credit Card Guide
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Ask Erica

 

Each week, credit expert Erica Sandberg answers questions from readers. Please note that it may not always be possible to answer every question or respond to individual inquiries.


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Is it Safe to Email Credit Card Info?

If you want to share your credit card information so a friend can make purchases on your behalf, you can probably trust email. The real question is, can you trust your friend?

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Can I Help My Daughter Rebuild Her Credit?

His daughter's life -- and credit -- got torn apart in her divorce. Is there any way this dad can use his good credit to give hers a leg up?

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How to Hunt Down an Old Debt

When old debt gets resold among collectors, it can be hard to track it down and pay off, especially if you've changed addresses and phone numbers. But it's important to do so to avoid credit damage

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Can I Skip Credit Counseling and Do it Myself?

There's no wizardry behind what credit counselors do. In fact, if you are motivated to pay down debt, and disciplined enough, you can replicate many of their techniques at home

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Mistaken Identity Brings Flood of Collection Calls

The collectors are after someone named Samuel. But she's named Samantha and has no idea who Samuel is. That's not stopping the collection calls, though

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Daughter Can't Hide from Card Debt Forever

A 26-year-old with $3,000 in credit card debt thinks she's invincible because she has nothing of value that collectors can take. But she's very wrong, says our expert

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How to be the Perfect Credit Candidate

Do card issuers really prefer cardholders who carry debt? Our expert debunks that myth -- and explains how to be the kind of candidate banks want

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How to Check Tenants' Credit Reports

If you're a landlord with a desirable property, you'll want desirable tenants. Pulling potential renters' credit reports can give you a snapshot of how they manage money -- just be sure you know what to look for

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Why is Settled Debt Still on My Credit Report?

He got a debt settlement and sent in his final check. So why are those settled accounts still dragging down his credit reports?

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