Get a credit card with a high limit, keep the balance low and use the credit card to establish a credit history or boost a low credit score. Remember — the more available credit on a credit card, the better.

Insurance companies can use use drivers’ credit scores and personal credit score information to determine how much to charge for auto insurance rates.

The Toys R Us Credit Card is serviced by GE Capital Retail Bank for customers of both Toys R Us and Babies R Us. Card-members can gain rewards benefits for special offers and coupons redeemable at Toys R Us and Babies R Us stores. Online account management is available for 24-hour access to statements, payments, and balances.

Citi Free Credit Score is available if you’re a Citibank credit card holder, you can get access to your Equifax FICO score for free each month — just for having their credit card you qualify for the Citi Card free credit score.

Good credit takes patience and persistence and if you pay your bills on time and keep your credit card balances low over the long haul, you’ll be rewarded with a solid score.