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1. Look out for identity theft (Credit/Credit Score Safety) ... Identity theft is a type of crime in which people take your personal information and steal that information to pose as you in order to get access to your accounts or identity. For example, someone ... 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) ... to boost your credit score. Paying your bills on time also ensures that you don't get hit with late fees and other financial penalties that make paying your bills off harder. Paying your bills in a timely ... 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) ... You just need to be a reliable lender. This realization alone should help make credit repair far less stressful! Credit reports are put together by credit bureaus, which use information from client ... 8. Credit Score Basics (Credit/Credit Score Basics) ... certainly know what sort of information they can get from a credit score, but knowing this information yourself can help you better see how your everyday financial decisions impact the financial picture ... 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. What is a Mortgage? (Credit/Mortgages/Loans) ... want to get Fixed-Rate Mortgage or refinance when interest rates are lower than normal. This way, your monthly payment is locked with lower interest rate even when interest rates are gone up years later. ... 12. 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 ... 13. 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 ... 14. What is Credit Score? (Credit/Credit Score) ... These sorts of misconceptions can hurt your chances at some jobs, at good interest rates, and even your chances of getting some apartments. The truth is, of you have a bank account and bills, then you ...