Geoff Williams has worked as a newspaper and magazine journalist for more than 15 years and writes daily for AOL's personal finance blog, WalletPop.com, as well as HGTV's real estate website FrontDoor.com, where he is a columnist. He has also written for Consumer Reports, AARP Bulletin, CreditCards.com, and Bankrate.com. Visit http: //livingwellwithbadcredit.hcibooks.com.