NEW YORK (WABC) -- Ross Kenneth Urken, personal finance editor for TheStreet.com, stopped by to answer all your questions about credit and credit scores. Here is the transcript.

The average credit score for Americans in their 40s and 50s sits in the low 700s, which is good enough to access credit but not necessarily with the most favorable terms.

Only 1.76% of Americans have a perfect credit score. Here's why you don't need one, and what matters more for your financial ...

Three steps I took to build my credit score in ten months - ‘Building credit boosted my confidence and helped me feel more ...

Americans' credit scores can have a dramatic impact on their lives, with a low score potentially delaying homeownership, marriage, starting a family, or even preventing them from renting an apartment.

FICO and VantageScore credit scores are the two most common types of personal credit scores. Business credit scores use different credit scoring models from credit bureaus like Experian, FICO and Dun ...

You can take proactive steps to improve your credit score relatively quickly. By following these steps, you should be able to ...