Expert Q&A: When Should You Use Credit?

A reader wants to know when and where he should whip out his plastic. Is McDonald's OK? Or should he only use his card for emergencies? Good question, says credit expert Erica Sandberg. First, she says, start with a simple budgeting exercise …

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Expert Q&A: Time to Close Old Credit Cards?

A reader tried to rebuild her credit after her divorce by opening a museum's-worth of credit cards. Now that she's achieved a good score, she wants to cancel some of those cards. But what will happen to her credit score? Credit Expert Erica Sandberg shares her advice …

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Expert Q&A: Dings on a Credit Report: Erasable?

One can dream. A reader wants to take a magic eraser to his credit report and remove the negative — but accurate — credit dings that are dragging down his score. Credit Expert Erica Sandberg shares her sympathy and gives him the bad news: He's going to have to wait …

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Expert Q&A: Safe to Take Credit Cards On a Cruise?

A reader is traveling to the Mexican Rivera this summer, but after hearing about the crime in the region, she's not sure what to do with her cards. Credit expert Erica Sandberg asks cruising authority Wes Rowland for advice …

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Expert Q&A: Is My Boyfriend a Credit Card Thief?

A teenage reader just found a stash of credit cards in her bad boy boyfriend's wallet — and they aren't his. What's a lovesick girl to do? Credit expert Erica Sandberg shares her horror and offers her advice …

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