81-year-old widow needs to build credit

This reader wants a great credit card and to improve damaged credit, but it may not be possible to achieve both simultaneously …

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A collection agency can't be deceptive, abusive

Every profession follows standards, and debt collectors are no exception. They have to follow federal rules that dictate when and how they contact you …

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Can insurance companies check your credit?

One reader wonders whether her insurance company can check her credit and whether there are repercussions …

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How to recover from poor credit scores

After two marriages, one reader faces bad credit scores and limited income. Credit expert Erica Sandberg advises …

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Help! I face major debt and can't make the bills

One reader asks for help with finances after incurring heavy debt. Also, she can’t pay the bills. Credit expert Erica Sandberg lays out her options…

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