Credit scores influence nearly all things financial in your life. Banks, credit card companies and others use credit scores in deciding whether to give you a loan, how much money you can borrow and how much interest to charge you. Here’s some advice for improving your credit score:

Identity theft may be used to facilitate or fund other crimes including illegal immigration, terrorism, phishing and espionage. There are cases of identity cloning to attack payment systems, including online credit card processing and medical insurance. Sources such as the non-profit Identity Theft Resource Center sub-divide identity theft into five categories.

What happens when you are sued by a debt collector? While it may feel like the end of the world, it’s a pretty routine occurrence in courts across the country. Most debt collection law firms file hundreds of lawsuits a day, assuming that 99% of defendants will not answer.

In an effort to help customers succeed financially, Wells Fargo (NYSE: WFC) is offering its customers their free consumer credit score and complimentary credit report through Nov. 16, 2014. For more information about this limited time promotion, visit https://www.wellsfargo.com/freecreditscore for more information.

So, you want to rebuild your credit score but you have horrible credit right now — one choice is getting approved for Capital One Rebuilder credit card which usually starts cardholders with a $300 dollar credit limit.