Kristy Welsh has been writing for 20 years on the subject of credit and debt and founded the website creditinfocenter.com in 1997. She has made it her life’s work to be a consumer advocate for those who have fallen on hard credit times. She also wrote the best selling book Good Credit is Sexy, now in its fourth edition. She has appeared in BusinessWeek and has been a guest on numerous radio shows. See more at kristywelsh.com and follow Kristy on Twitter.