Building Wealth, Not Just Credit: How Credit Fits into Long-Term Financial Success
Join our weekly #CreditChat, launched in 2012 to help our community strengthen their understanding of credit and key personal finance topics such as saving, managing debt, and building healthier credit scores. Hosted by @Experian on X (formerly Twitter), the conversation is open to everyone—feel free to DM us with any questions.
This week’s #CreditChat, Building Wealth, Not Just Credit, explores how credit fits into a broader long-term financial strategy. We’ll discuss the relationship between credit, saving, investing, and financial stability, and how smart credit decisions can support wealth-building goals over time. Join the conversation to gain practical insights on using credit as a tool.
Topic: Building Wealth, Not Just Credit: How Credit Fits into Long-Term Financial Success
When: Wednesday, February 4, 2026
Where: Join the live hashtag discussion
The panel will include: Felicity Watts: Author at American Consumer Credit Counseling; Jeanne Kelly: Credit expert, identity theft expert, speaker and founder of JeanneKelly.net; Robin Palmer: University of Arizona’s Take Charge Today Financial Literacy Program; Barbara O’Neill, Ph.D., CFP®, AFC®: Owner/CEO Money Talk Financial Planning Seminars and Publications; Rod Griffin: Senior Director, Consumer Education and Advocacy, Experian; Jennifer White: Consumer Education and Advocacy Team, and Christina Roman: Consumer Education and Advocacy Manager at Experian.
Questions we will discuss:
1. What does “building wealth” mean to you, and how does credit play a role in that journey?
2. When you think about credit beyond approval or denial, what role does it play in long-term wealth creation?
3. What’s one common myth about credit that actually holds people back financially?
4. What role does financial education play in helping consumers use credit as a wealth-building tool?
5. How can building credit early impact financial success later in life?
6. Why is access to affordable credit so important for long-term financial stability and wealth creation?
7. How can having access to credit at the right time influence someone’s ability to take advantage of wealth-building opportunities?
8. How can responsible credit use support major life goals like buying a home, starting a business, or investing?
9. How can improving your credit over time change your long-term financial opportunities, even after setbacks?
10. If you could give your younger self one piece of advice about credit, what would it be?
Check out our complete list of upcoming personal finance Twitter chats here.