Frustrated when you try to ask a simple question about credit reports or scores and you get half a dozen seemingly conflicting answers in response? Ever feel like the whole field of credit scoring is an elaborate game you're forced to play without ever getting a copy of the rules? Learn what's going on and get your questions answered as Joel Doelger from Credit Counseling of Arkansas offers some straight talk on credit, credit reports and credit scores.  

Credit Counseling of Arkansas ("CCOA"), a local non-profit that has been helping individuals and families address personal finance issues through community education and individual financial counseling for more than 22 years. Check out their various services on their website (