A6: It doesn't hurt your score to talk to a Credit Counselor. Debt Settlement CAN hurt your score. #DebtManagementPlansWork #creditchat

A7: New grads should check out this open letter which explains how to build credit for the first time → nerd.me/1qZ25e1 #creditchat

Building credit = What you do + What you know Thoughts on this behavior / decision matrix aid to help? goo.gl/SE7nN9 #creditchat

A7: Read these 5 tips on how to successfully cosign for your college kid’s first credit card→nerd.me/1o3LuRK Experian #creditchat

Help your kids get 1(or more!) credit cards & teach to pay in full. Never use for debt. Build references=great rates on debt. #creditchat

Experian shows millienials with low scores b/c have high utilization--- 1 card with low limit. Need more cards w/o more balance. #creditchat

Visit Experian's fraud center for advice and easy assistance. #creditchat

You can add a security alert instantlly online. Shared with other CRAs. Gives you time to take action if needed. #creditchat

Re freezing-Don't forget that your credit report helps you obtain lots of services: utilities, cell, insurance. #creditchat

A9: Be patient. It takes time to build an excellent credit score, and your good credit habits will eventually get you there. #creditchat

Best way to rebuild is to get a credit card, use for small amounts, pay in full. Demonstrates that you can manage credit. #creditchat

If you stop using credit because you messed up, you freeze your history in that negative status. #creditchat

NEXT WEEK >> How to Have a Fun Dinner Party on a Budget bit.ly/frugal-dinner with Event Guru Brian Worley @YourBASHbworley #creditchat

Don't build debt. Build wealth. Credit can be free! #creditchat

A9. To rebuild credit, try financial abstinence. Stop using credit until you are caught up. #creditchat

Congratulations to our product category winner for Best Use of Social Media By a Brand Experian #plutus14 #fincon14

Join our #CreditChat at 3 pm ET bit.ly/frugal-dinner w/ @YourBASHbworley Annette Joseph Cameron Huddleston ReadyForZero