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Ashley B wants to know:

I have a low credit score. do i need to hire someone to reapair it, and who? wanting to try and buy a house in less than a year and i want to have a decent credit score.

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Coral wants to know:

How many points does your credit score go down for every late mortgage payment made 30-35 days after the due date?

Is this hard to repair?

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lilsnob8681 wants to know:

My husband and I would like to file for earned income credit. My husband and I both made over 39,000. We have a minor child who is four months old. Can we file married filing seperate and get the earned income credit or how does that work? I am confused about this. Are we legally allowed to file married filing separately? Thanks!