Non-profit organization debunks top ten credit myths

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How hard it is to erase debt collections from your credit report? What happens to your credit after you tie the knot? These are just two questions about credit that are often answered incorrectly.

Mike Sullivan, director of education for Take Charge America, a non-profit credit counseling company, says the credit system is complex, and that's why it is important to turn to an expert for help.

"If you have questions about your credit, see a credit counselor or financial planner for the most accurate answers," he said. "We all have varying levels of financial security. What's best for your sister or co-worker, may not be the best solution for you."

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