Credit Card Guide
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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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What is considered a good FICO credit score, anyway?

Your credit score tells lenders, insurance companies and landlords if you are a good risk, but do you know what is "good?" Here's what those numbers mean ...

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No, cards aren't evil; here's why

It's easy to blame credit cards for your bad credit behavior, but plastic is simply a tool that you can use well or badly. Here are the facts about cards ...

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Minimum vs. lump sum payments: Which builds credit?

Managing your credit card to get the best FICO score takes a bit of work. Here are two ways to build your score with plastic ...

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Missed card payments damage your score, credit future

If you've fallen behind on your credit card payments, your items bought with the card won't be repossessed. But there are other lasting effects ...

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When does bad information fall off your credit report?

Have derogatory information on your credit report? Learn how long it will stay there and what you can do about it ...

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How to get out of paying high interest charges

While settling your high-interest debt with your card issuer is likely not an option, there are ways to fix the problem ...

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Turn that unused retail card into a credit builder

Not using that retail card you got over Christmas? Rather than canceling it, use it to help build your credit ...

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What to do when a creditor calls

When a creditor says you owe money and it's news to you, here is what you should (and shouldn't) do before you pay up ...

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5 things that matter most to your FICO score

It takes time to build up your credit score. But with patience and by following a few simple rules, you can have great credit ...

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