Back to Basics: Your One-Hour Crash Course in Credit

Our weekly #CreditChat started in 2012 to help our community learn about credit and important personal finance topics (e.g. saving money, paying down debt, improving credit scores). Each chat is hosted by @Experian on X (formerly Twitter) and all are welcome to participate. DM us any questions.

Are you curious about credit? Join our #CreditChat, a one-hour crash course where we’ll cover everything you need to know about building credit, managing debt, and improving your credit score. Don’t miss out on this valuable opportunity to gain insights from industry experts.

Topic: Back to Basics: Your One-Hour Crash Course in Credit

When: Wednesday, August 16, 2023 at 3 p.m. ET.

Where: Join the live hashtag discussion

The panel will include: Jeanne Kelly: Credit expert, identity theft expert, speaker and founder of; American Consumer Credit Counseling; Patrina Dixon: CFEI, RFC Founder and CEO of It’$ My Money; Beverly Harzog: Credit Card Expert and Consumer Finance Analyst for U.S. News and World Report; 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.

Gift Card Giveaway

Enter here for a chance to win a $50 Amazon gift card! We will be announcing a winner at the end of the chat. Entry Period: Raffle open now and closes at the end of this chat at 4 p.m. ET. Complete rules here.

Questions we will discuss:

1. What is credit and how does credit impact your financial health?

2. How does having no credit history affect your access to financial resources?

3. What are some ways to begin building credit if you don’t yet have a credit history?

4. What is the difference between credit reports and credit scores?

5. In what scenarios could your credit reports be used besides for credit applications?

6. What common misconceptions prevent people from using credit?

7. What are the top factors in credit scoring?

8. Why is it important to check your credit report often, and what are some myths that prevent people from doing so?

9. How can you manage the information that is in your credit report?

10. How can you ensure you are building a credit history that will help you qualify for the credit and services you want/need? 

11. What steps can you take to rebuild your credit if you have had challenges in the past?

Check out our complete list of upcoming personal finance Twitter chats here.

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