Ask the Experts – Questions about Your Credit Score

Our experts answer all of the questions you have about credit scoring and how your score impacts your outlook.

Your credit score might just be the most important number in your financial portfolio. It determines how easy or hard it is for you to qualify for loans and new lines of credit so you can reach your financial goals. It also determines how much you’ll pay on your debts with interest added, which can make or break your financial outlook.

Below are answers to all of the credit score questions we’ve received. If you don’t see what you’re looking for or need more information on a topic, just ask! Use the form to the right to ask your question and we’ll get back to you within 48 hours. If you need help or have a question that you don’t want to ask on through this site, then just give us a call at to talk to one of our certified credit counselors.

    • How to avoid online identity theft

      As you spend and charge more for the holidays, there is also an increased risk of identity theft and credit card fraud. In this video Ask the Expert, Gary explains how you can protect your personal data from theft to avoid credit problems.

    • Rebuild your credit for a better credit score

      If past mistakes still haunt you in the form of bad credit, Financial Education Director April Lewis-Parks helps you understand how to go through the credit repair process and then take steps to build your way to a better credit score.

    • It's important to know what's in your credit report

      If you’ve never had a credit card, do you actually have a credit report? We help credit-free consumers know what kind of information may be kept in their profile, so they can understand how they may have credit history without any credit use.

    • Try to avoid walking down the aisle with debt

      What happens to credit scores when a good credit consumer marries someone with bad credit? If you’re walking down the aisle soon and want to know what happens to your credit score, we give you the details so you know what to expect.

    • What types of debt impact your credit score?

      Although “types of credit held” isn’t the biggest factor in determining your credit score, it still has an impact so it’s important to understand what it means. We explain this key scoring factor to help you achieve the best score possible.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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