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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) ... The higher your debts the greater your monthly debt payments and so the higher the risk that you will eventually be able to repay your debts. Plus, statistical studies have shown that those with high ... 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) ... good credit? Have you defaulted on a loan, failed to pay taxes, or recently been reported to a collection agency? The problems that contribute to your credit problems should dictate how you ... 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) 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) ... third party. Period." How we gather information from users How we collect and store information depends on the page you are visiting, the activities in which you elect to participate and the services ... 11. What is a Mortgage? (Credit/Mortgages/Loans) ... Loans Fixed-Rate Loans are most popular by far because you know how much you need to pay every month and it doesn't change, ever. Every month, you pay exactly same $ amount month after month, year after ... 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) ... you will find many tips about what to do and what not to do. Some of these are... How to Seek professional help. What to look for credit repair companies. What to do before seeking paid credit ... 14. What is Credit Score? (Credit/Credit Score) ... or a credit risk score. All these terms refer to the same thing: the three-digit number that lets lenders get an idea of how likely you are to repay your bills. Every time you apply for credit, apply ...