The majority of people in the United States know about credit scores, especially if denied a loan or credit card, but not everyone understands the way in which this score is calculated.  Additionally, most people are aware that having a low credit score makes it impossible to secure a loan or credit card, buy insurance, [...]

You’ve spent a good number of years perfecting your credit, so that your financial record reflects what a great consumer you are. If you watch television they’d have you believe that there is some guy with a genius IQ sitting behind a computer somewhere waiting for you to come online so he can steal your [...]