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Take care of your credit and debt now, and you can take advantage of it in the future. If you use your credit responsibly now by paying your bills on time, keeping your debt levels low, and not owning more cards than you need, you’ll be able to get approved for that 0% financing that’s always sounded so good for that stereo that sounds even better.
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Paying bills late.
One of the biggest factors in determining your credit score is your past payment history. While one or two late payments on your credit cards, loans, or other important obligations over a long period of time may not...
read: "7 Common Mistakes"
Links & Resources
If you're having debt problems and need professional help, it's always a good idea to see if your (prospective) credit counseling agency is affiliated with either the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies...
read: "Links & Resources"