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How you handle loans has a tremendous impact on your FICO score more than any other factor in your credit report. It's true, you are scored heavily on the kinds of loans you have, the length of time of those loans, the oustanding balances, and your repayment history, are all major measurements that credit bureaus use to calculate your credit score. If you can wisely manage your loans, you will add points to your credit score quickly. Here are 4 key tips...

Credit Counselors and Debt Consolidators are inundating the Internet, newspapers, magazines, radio, and television with ads promising to make it easy to fix your poor credit history and your poor FICO credit rating. This appears to be great news. Let's see if it really is good news.