Pandora Jewelry credit card program is available to use on the full line of Pandora Jewelry products and collections — including bracelets, charms, watches, necklaces and pendants. The special financing program is currently available for purchases at select Pandora Jewelry concept stores nationwide.

A move by Wells Fargo Bank to lower the bar for certain government-backed mortgages is stirring hopes of home-ownership among people with credit scores battered by the recession. The San Francisco-based bank, which is the country’s biggest mortgage lender, said recently that it would begin accepting scores of 600, down from 640, for FHA and VA loans, which require as little as a 3.5 percent down payment.

The FICO credit score ranges between 300 and 850 which is used often by banks, lenders and financial institution to determine whether to provide you with financial solutions and at what interest rate. A rule of thumb is the higher the credit score, the lower your rate will be.

Your credit score can have a major impact on your life. Not only do creditors typically check your score when deciding whether or not to approve your application and what interest rate to charge you if you are approved, but landlords, insurance companies, and even employers often check it as well.