This reader's parents are pushing him to buy a house. Yet he's not quite ready — and neither is his credit score, says Eva Norlyk Smith

A reader wants to wipe out her debt in one fell swoop with a balance transfer. Eva Norlyk Smith gives her some tips for making it a smooth transition

Paying bills on time and getting rid of credit card debt can improve credit scores in as little as six months. However, improving credit is not so much about scores as it is about learning how to manage money

This reader has a useless rewards card but is worried that closing it will hurt his credit score. Yet, while the general rule is to avoid closing credit cards, there are exceptions, says Eva Norlyk Smith

For young people, loving their jobs is often more important than making money. However, taking out credit card debt to finance your dreams is rarely a wise choice, says Eva Norlyk-Smith