PUBLIC MARKS from misskitty4280 with tag credit&debt

Comprehensive reviews to help you protect your financial future. Are you searching for a way to get out from under heavy bills? Do you have unanswered questions on what to do to handle your finances? Are you unsure, wondering, confused ...

Everyone needs credit. It's a necessary part of daily life. Whether you're renting an apartment, buying a car, renting a car, want to get a cell phone or are ready to buy at an online auction, having credit in your name is part of the approval process. So, how does one go about establishing credit? Here's what Steve Bucci, the president of Consumer Credit Counseling Services of Southern New England suggests.

Dear Dr. Don, I have been trying to apply for a credit card so I can start establishing credit. However, I keep being rejected because I have no established credit. Is there a credit card out there that will actually accept me? -- Gary Ground-Up

Dear Debt Adviser, What is your feeling about the necessity to purchase credit card insurance? I did not used to feel it was necessary until I lost my job last fall and have only been able to obtain part-time employment at less than half of what I was making. Could you offer some advice on questions to ask the credit company prior to authorizing the purchase of the insurance? -- Brian