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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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Sorry, bankruptcy rarely wipes out student loan debt

Congress clamped down on forgiving student loans in the 1970s, so filing bankruptcy can help by reducing other debts to loosen up cash for student loan repayment....

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How some credit scores offered by card issuers are different

Though there is a difference between a regular FICO score and the score that comes with your card, there is a benefit to having both ...

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Is a bank loan or credit card better for your credit score?

FICO rewards those who mix up both loans and credit, but paying your bills on time every time is the most important factor ...

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Tips to control card balances from creeping up

Closing all your cards just because you can't control spending on them should be a last resort ...

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How to get a collection agency to stop hassling you

Writing a cease-and-desist letter will stop a collection agency from contacting you, but it will also force their hand as to what legal steps to take ...

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How a 'bad credit' card can help rebuild credit history

Even if your credit card has a high APR and additional fees, you can still use it to your advantage and build up your credit...

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Payoff tips for $15,000 in wedding card charges

Using credit to pay for a dream wedding can leave a newlywed couple in the red. Here are strategies to create a budget and make a dent in the debt ...

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Best way to use windfall to boost credit

A reader wants to know the best way to apply a cash gift from her mom to boost her credit score to qualify for a mortgage ...

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When to turn in a friend for identity theft

If you know that someone is committing identity theft, it is your responsibility to turn them in. If not, you could face legal consequences...

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