The Strategy — the more credit accounts you have, the higher your available credit and the lower your credit utilization ratio. So when someone offers you the opportunity to apply for a store or credit card, always answer — “Yes, please!”

Can’t make your monthly credit card payments. It is important to understand what you can do in order to avoid late charges, increased interest rates and avoid having your credit score lowered. Taking the appropriate action can increase your ability to make future payments.

You know that having bad credit can increase your auto loan’s interest rate, but did you realize credit problems can in some cases nearly quadruple your car insurance premiums, too?

Fixing your credit score can be very stressful at times and it feels like it’s never ending where the bills keep piling in and it seems like you’re making no progress. While most people tend to just give up and declare Bankruptcy, there are many ways you can fix your credit score and start off where you started when you first grabbed your first Credit Card.

Where to get Your Real Free FICO Credit Score — consumers can get their first truly free credit score if they’re credit-card holders at First National Bank of Omaha or Barclaycard, two of the 10 largest issuers of credit cards in the U.S.