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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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Don't let bill in collections impact your credit

A small debt likely won't end in a lawsuit, but don't neglect it and see your credit suffer ...

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4 do-it-yourself debt reduction tips

A debt management plan with a credit counselor is not the best option for everyone. Here are four do-it-yourself tips to get a handle on your debt ...

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What to do when your spouse hijacks your credit

When your spouse runs up your credit card bills without your knowledge, there may be a way to minimize the damage ...

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Which is better: No credit or bad credit?

You'll sometimes hear that bad credit is better than none. The fact is that you can improve your credit, no matter what state it's in ...

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Can people on Section 8 and SNAP get a card?

The source of your income is not as important to card issuers as the amount and stability. That means getting government assistance is not a disadvantage ...

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Couple with mixed scores debate best way to land mortgage

With time and patience, you can improve your credit score and get the mortgage rate you deserve ...

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When gas prices drop, budget for cash boost

Being suddenly flush with cash as gas prices drop is a good problem to have. Here are ideas on how to handle that extra money best ...

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How to make a balance transfer work for you

Before transferring a card balance, learn how balance transfers can work to your advantage -- or disadvantage ...

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Know your rights with creditors

Do you know your rights when it comes to creditors? Yes, you can tell them to stop calling, but make sure it's a good idea first ...

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