A few credit score points can mean the difference between a good mortgage rate, a lousy one or getting a loan at all. But take heart — If errors are dragging down your score, you can get them fixed, just in time for your much-anticipated closing.

Nordstrom is a popular department store that offers a traditional department store card. This card has special perks, as cardholders are privy to special discounts, deals and sales that non-cardholders do not qualify for. It also makes department store purchases convenient and easy to budget for.

The Gap Credit Card is issued by GE Money Bank (GEMB) for Gap customers. Cardholders can enjoy benefits such as notice of advance sales, discounts, and online account access. Gap Credit Cards can be used at Gap affiliates including Old Navy, Banana Republic, Piperlime, and Athleta. Members can manage their credit card account information anytime using the online account system. Online access allows card-members to review balances, make payments, check rewards, add authorized users, and receive paperless statements.

Watch out delinquent parents, your credit history can be checked by agencies that enforce child support payments. While the inquiry itself will not count on your credit report, failing to make your court-ordered child support payment can.

Abercrombie & Fitch focuses on casual wear for young consumers and Abercrombie & Fitch is known for its production of “high-end” or “near-luxury” products. Though their prices are generally higher than other casual wear retailers, the chain offers an in-store credit card to make their products readily available.