1. Keep Your Credit Utilization Low

There's a lot of misinformation out there about credit scores. If you're trying to get your credit on the track, this misinformation can make that task daunting. Don't believe any of these common myths about credit scores.

While just the word "bankruptcy" may make you nervous, it may be just what you need if you're unable to meet your payments each month. If you don't see any hope in sight, filing for bankruptcy may give you the breathing room you need. Filing for bankruptcy can stop creditors from filing or continuing lawsuits against you. After you file...

There are lots of places where a poor credit score doesn't haunt you. As a matter of fact, at these places, no one cares if your score is 395 or 819.

Life today isn't easy without a credit card. Even if you intend to pay cash, you'll need a credit card to rent a car, secure a hotel room, or make an airline reservation. They offer a lot more protection and security than most debit cards when you're buying merchandise online, and although you don't technically need one to qualify for...

If you are thinking about transferring your balance or getting a card with a special introductory rate, be certain to read all the fine print. Have a thorough understanding of what will happen at the end of the introductory period.

Actually, there's more helpful advice for using your credit card. They are as follows: