I have begun to answer credit questions.  This might be my calling.  I have noticed a lot of questions that are commonly asked on forums that I monitor and just throughout the web.  Why not put them all in one place answer them, so people don't have to scroll through mounds of answers to find what they are looking for.

To be honest there is a lot of good stuff out on the web, but there is a lot of misconceptions and myths about credit that just wrong.  A lot of people are led astray everyday and given the wrong advice.  I hope to give trusted and experienced advice for these important questions here.

I have made up some sample questions on some of the pages and hope to get a lot of honest questions from visitors.  I hope this will help.  Here is also a great guide that will help people's credit.