Credit Confidence: Understanding Credit Reports, Scores and How to Improve Them
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 dives into the fundamentals of credit reports and scores. We’ll break down what impacts your credit and share actionable strategies to improve it over time. Join us to build confidence in managing and strengthening your credit profile.
Topic: Credit Confidence: Understanding Credit Reports, Scores and How to Improve Them
When: Wednesday, April 22, 2026
Where: Join the live hashtag discussion
The panel will include: The American Bankers Association; Jeanne Kelly: Credit expert, identity theft expert, speaker and founder of JeanneKelly.net; Barbara O’Neill, Ph.D., CFP®, AFC®: Owner/CEO Money Talk Financial Planning Seminars and Publications; Todd Christensen: AFCPE® Accredited Financial Counselor®, Author of Everyday Money for Everyday People, and Education Manager at MoneyFit.org; Adriana Ocanas: Consumer Credit Cards Analyst for U.S. News & World Report; Leslie H. Tayne, Esq: Founder and Managing Director of Tayne Law Group, P.C. (f/k/a The Law Offices of Leslie H. Tayne, P.C.); Ilyce Glink: Real Estate and Financial Wellness expert, author, speaker, entrepreneur and founder of ThinkGlink.com; 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 “credit confidence” mean to you, and why is it important for overall financial well-being?
2: Why should people regularly check their credit reports, and what key things should they look for?
3: What factors have the biggest impact on your credit score, and what systems or habits can you put in place to avoid negative impacts over time?
4: What is some bad advice about credit scores that can be harmful to someone trying to build and improve their credit?
5: What is your top tip that can help someone who is trying to build credit for the first time?
6: What are some simple steps people can take today to start improving their credit score?
7: What everyday financial habits can help build good credit over time?
8: What should people understand about managing credit card payments to best support their credit health?
9: What’s one credit mistake people make that can be hard to recover from, and how can someone avoid it?
10: How can having strong credit open doors to better financial opportunities in the future?
Check out our complete list of upcoming personal finance Twitter chats here.