Q: I fell on hard times many years ago, lost my good credit rating and was forced to live paycheck-to-paycheck with cash. I now have a good job and need a credit card to travel. What do I need to do?
A: Request a copy of your credit report, it's free. Then try to clean up your past and/or apply for a secured credit card to restore your credit. Also, open a checking or savings account. You might also be able to qualify for a debit card to help you with travel.
