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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) ... be causing the problem: Do you have too much debt? Too many unpaid bills? Have you recently faced a major financial upset such as a bankruptcy? Have you simply not had credit long enough to establish ... 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) ... score is a number, usually between 300 and 850, that lets lenders know how well you are paying off your debts and how much of a credit risk you are. In general, the higher your credit score, the better ... 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) If you do not agree to the Terms of Use, discontinue using the site immediately! By using this site, you signify your Assent and Agreement to these Terms of Use. If you do not agree to these Terms ... 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) ... the truth. It is perfectly possible to pay down debts and boost your credit on your own, with no expensive help whatsoever. But, keep in mind, not all of them are bad. After all, it's not super easy ...