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!”

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.

Few financial figures are as important as a credit scores. The three-digit figure has a major impact on daily life — dictating what consumers can buy, how much credit they can obtain and even where they choose to reside.

0% APR credit cards are best if you are planning to make purchases with your new credit card, then a credit card with an introductory 0% APR on purchases is the best choice for you. Be sure to remember when your 0% APR credit card will convert to the Regular APR.