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.

Good news for those resolving to keep a close eye on their credit history in 2015: There’s no need to pay a dime to do so. It’s never been easier for consumers to get a hold of their credit scores or credit reports for free. Major credit card issuers, including Discover and Capital One, offer cardholders a monthly look at their three-digit scores, which are used by lenders to gauge your financial health.

Millions more people will have free access to their FICO credit score this year. That’s good news for consumers, since the number is widely used by lenders to check potential borrowers’ financial health.

There are a wide variety of myths floating around about what you should and shouldn’t do to improve your credit reports and credit scores.