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1. Look out for identity theft (Credit/Credit Score Safety) Many people who are careful about paying bills on time and having minimal debts are shocked each year to find that they have low credit scores. In many cases, this happens as a result of identity theft. ... 2. Reduce your Debts (Credit/Improve Credit Score) If you have a lot of debt, your credit score will suffer. Paying down your debts to a minimum will help elevate your credit score. For example, if you have a $1000 limit on your credit card and you regularly ... 3. Avoid excessive credit (Credit/Improve Credit Score) If you have many lines of credit or several huge debts, you make a worse credit risk because you are close to "overextending your credit".” This simply means that you may be taking on more credit than ... 4. Pay your bills on time (Credit/Improve Credit Score) One of the best ways to improve your credit score is simply to pay your bills on time. This is absurdly simple but it works very well, because nothing shows lenders that you take debts seriously as much ... 5. Develop an action plan for dealing with your credit score (Credit/Credit Score Basics) Once you have your credit report and your credit score, you will be able to tell where you stand and where many of your problems lie. If you have a poor score, try to see in your credit report what could ... 6. Keep the contact information for credit bureaus handy (Credit/Credit Score Basics) The three major credit bureaus are important to contact if you are going to be repairing your credit score. The major three credit agencies can help you by sending you your credit report. If you find an ... 7. Understand where credit score come from (Credit/Credit Score Basics) If you are going to improve your credit score, then logic has it that you must understand what your credit score is and how it works. Without this information, you won't be able to very effectively improve ... 8. Credit Score Basics (Credit/Credit Score Basics) Before you start boosting your credit score, you need to know the basics. You need to know what a credit score is, how it is developed, and why it is important to you in your everyday life. Lenders ... 9. Website Terms of Use (FAQs/Legal) ... of the trademarks on this site are trademarks of CreditWitch.com or of other owners used with their permission. Database Ownership, License, and Use CreditWitch.com warrants, and you accept, that ... 10. Privacy (FAQs/Legal) Last Updated: January, 25, 2010 CreditWitch.com strives to offer its visitors the many advantages of Internet technology and to provide an interactive and personalized experience. We may use Personally ... 11. All about Credit Cards (Credit/Credit Cards) Credit Card - Necessary Evil? Should you or should you not get Credit Card? It all depends on how you use it ;-) You probably received many "pre-approved" credit card offers in the mail. Some with low ... 12. Dealing With Professional Credit Help (Credit/Credit Counselor) Credit repair is big business and there are many companies that will promise to help you get out of bad credit problems. There are a number of legitimate resources that can help you in improving your credit ... 13. What is Credit Score? (Credit/Credit Score) There are many misconceptions about credit scores out there. There are people who believe that they don't have a credit score and many people who think that their credit scores just don't really matter. ... 14. Ohloh Tracking of Joomla! (Web Links / Joomla! Specific Links) Objective reports from Ohloh about Joomla's development activity. Joomla! has some star developers with serious kudos.