Columnist Tanisha Warner

Tanisha Warner

Until November 2012, Tanisha Warner wrote the "Credit Care" column for, answering one reader's question each week on a variety of credit-related topics.

Tanisha Warner's stories on

Boyfriend added you as an authorized user on his card? No, you don't have to pay the bill -- A boyfriend who adds you as an authorized user isn't doing you any favors, especially if he starts to default, since that will hurt your credit ... (See Authorized user)

How to graduate from an authorized user to having your own credit card -- The 'natural method' of building credit works fine for most: Get a little loan, keep up payments, then advance to bigger loans as needs grow ... (See Authorized user)

Thinking of paying old debt? First, look at your whole financial picture -- From the narrow perspective of your credit report, yes, paying off old debt is always better. But then you won't have that money to buy food or shelter ... (See Debt payoff dilemma)

Authorized card users don't have to pay up -- If you're an authorized user on your ex's credit card, you're not legally liable to the card issuer, but he could file a lawsuit for repayment ... (See Authorized users)

Considering bankrutpcy? Steps to take to protect your home -- Whether you keep your home in bankruptcy depends on which type you file, and in which state, so seek legal advice ... (See Protecting home during bankruptcy)

Minimum credit card payments are split when you have a deferred interest program -- The CARD Act calls for payments above the minimum to go toward the balance with the highest rate, but there's an exception for deferred interest plans ... (See CARD Act)

Rebuilding a credit score after job loss takes time, patience -- If a job loss has led to debt, you can't fix the past, but you can rebuild your credit score by adding positive, new entries in your credit record ... (See Rebuilding credit)

Canadian immigrant finds credit record doesn't cross U.S. border -- Auto traffic may flow smoothly over the U.S.-Canada border, but a new immigrant from the north to America finds credit ratings don't cross the border ... (See Cross-border credit)

After a windfall of money, should you negotiate debt to pay off balances in full? -- Card issuers aren't likely to settle on an account that isn't incredibly delinquent -- and if they do, it could hurt your credit ... (See Settling credit card debt)

Steps to contest, end wage garnishment - Tanisha Warner -- Even after you have a civil judgment against you and wages are being garnished, you have options to try and limit or end the taking of your wages ... (See Ending wage garnishment)

Canadian, US credit scoring systems similar - as are ways consumers can improve scores -- While the details differ, credit scoring systems in the neighboring countries are similar -- and so are the ways to boost a score ... (See US, Canadian credit scoring systems)

Different rules apply to last two months of deferred interest payment plans -- An exception written into the Credit CARD Act directs more of a consumer's payments be applied to a deferred plan's balance during its final months ... (See Deferred plan payments)

Tanisha Warner: Should a judgment-proof debtor pay card debt anyway? -- An elderly couple with few assets but a Social Security and a military pension probably are untouchable by credit card collectors and the courts ... (See Judgment-proof debtors)

Tanisha Warner: Is it OK to transfer debt to a card that already has a balance? -- Consolidating debt to one card might make sense if the rate is low, but watch for fees and putting too much debt on a single card ... (See Transfer debt to one card?)

Tanish Warner: Steps to boost credit score when a mortgage is the goal -- Getting a mortgage? Check your credit reports, pay down balances, consider closing cards and sit down with a lender for a review ... (See Mortgage and credit)

Tanisha Warner: Fight back against husband who opens credit cards in wife's name -- He signed her name to credit card applications and had the bills sent to a secret address; now he needs to surrender control of the accounts -- or else! ... (See Secret credit cards)

Tanisha Warner: Keeping credit score high when you carry big card balances -- Even if your credit score is high, issuers may still reject you for a new card if your card balances are near their limit ... (See Credit card rejection)

Tanisha Warner: Your post-bankruptcy credit rebuilding plan -- From now on, on-time payments are a must, you'll likely need a secured card and make sure any lenders report to all the credit bureaus ... (See Credit after bankruptcy)

Tanisha Warner: After recovering from bad credit, ditch the bad credit credit card -- Yes, you may take a small, temporary credit card hit, but getting rid of a card with a $14.50 monthly fee is probably worth it ... (See Cancel that bad credit credit card)

Tanisha Warner: Big purchases can have a real impact on your credit score -- If you make a big purchase that eats up most of your credit limit, your credit can take a hit -- even if you pay it off fairly rapidly ... (See Big purchases and credit scores)

Tanisha Warner: Can a never-activated card still hurt your credit? -- If you get buyer's remorse after applying for a new credit card, don't panic. Canceling the card before you activate may impact your credit, but not much and not for long ... (See Cancel a card)

Tanisha Warner: Are your mother's bank funds safe from your creditors? -- A debt-ridden woman worries her creditors may come after funds in an account she holds jointly with her mom. The good news is that mom's retirement funds are probably safe ... (See Joint accounts and garnishment)

Tanisha Warner: Wife's bad credit doesn't have to ruin her husband's credit -- fter paying off delinquent card and school debt, a wife wants her credit score to rise -- but not at the risk of ruining her husband's good credit ... (See Patience + payments = better credit)

Tanisha Warner: Discharging student loan in bankruptcy requires major hardship -- Want to declare bankruptcy and wash your hands of that troublesome student loan? Our expert says that it's not that easy ... (See Bankruptcy and student loans)

Tanisha Warner: Be wary of closing credit cards when applying for mortgage -- Considering closing some credit cards? Our expert says you better think twice about it if you're planning to get a mortgage loan soon ... (See Mortgages and closing credit cards)

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Updated: 06-24-2019