Staying Out of Credit Trouble

Learn how to reduce your debt burden so you can relax.

Financial Tips

  • If You Don't Owe a Debt Don't Ignore It

    To maintain your rights under the Fair Debt Collections Practices Act, always respond in writing to any debt that you dispute.

  • The Lender Matters

    You might be surprised, but having a finance company, payday lender, or car title lender listed as one of your creditors could affect your credit score.

  • Watch Your Utilization Ratio

    After your payment history, your utilization ratio is the next most important factor behind your credit score.

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