Credit report woes? An actual chance to ask the folks in charge

The national credit-reporting agencies wield enormous power over consumers, and they're notoriously tough to reach if something goes wrong. Yes, you can contact them in writing - in some situations, such as when misinformation appears on your report, that's essential. But in this age of toll-free numbers and instant electronic communication, many consumers find it frustrating.

So this offer is hard to pass up. Save the date, if you want to ask questions or see what's on other consumers' minds.  At 2 p.m. Eastern time on May 6, Experian is co-hosting "a live, interactive, online town-hall discussion" on credit reporting and scoring.

Experian says the session, co-hosted by CreditCards.com, will feature Rod Griffin, Experian’s director of public education, and Daniel P. Ray, editor-in-chief for CreditCards.com, which calls itself  "the leading online credit card marketplace connecting consumers with multiple credit card issuers."

You can submit questions in advance, respond to real-time polling (c'mon, tell these guys what you really think), and view living streaming video.

Yes, I know, it's hard to contain your excitement at that last thought. But this is a great opportunity if the system baffles you and you want to learn more.

Experian says consumers should submit their questions in advance at http://www.creditcards.com/AskExperian or by posting questions on Twitter using the hashtag #AskExperian.

Be there or be be cool.

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