Credit Repair Help

Acrow asked:


I just finished college, and work full time. I have a debit card, and building good credit from paying off loans. A lot of people have been telling me to get a credit card, but I wonder if it really is necessary. Please give me some good reasons to get a credit card other than building good credit. The only other advantage I know about is those point-system/rewards credit cards, that earn you miles or other things. And what is the best credit card to get for a first time credit card holder? The number of choices are a little overwhelming. How did you choose your first/main credit card?

Eva J asked:


My boyfriend makes 30 dollars and hour but has bad credit and I have bad credit and felony drug history. I am also a full time student that receives good money from scholarships. we are both in recovery and have over a year clean. But we cant seem to find a place that will rent to us this is driving me crazy.. What do I do.