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It's truly puzzling. Statistics show that the majority of us are pretty stupid when it comes to handling family finances even though having good credit and money to spend to have a quality lifestyle only takes 6 steps to achieve. Here is how...

As soon as you can, make a lunch date with your lender. Why is this a good idea for you? When you learn how these finance folks think, you will have a serious edge when it comes to getting credit. Here are some tips to make the most of the thinking process of lenders.

Having good financial habits, especially your habits surrounding debts and other financial obligations, are the keys to having excellent credit. But, we all know how difficult it can be to understand the 'fine print' in most fix credit programs. Here are 11 basic steps you can adopt starting today that will do wonders for your financial wellness.

The Internet, Radio and TV, newspapers and magazines are running advertisements these days for credit repair services and many are scams. These scams often promise to fix your bad credit overnight. In reality, many of these so-called 'experts' will either overcharge you, involve you in illegal activity, or actually put you in a worse financial situation. Here are the 5 of the most common scams.

Choosing a bankruptcy will seriously damage your credit score more than just about any other debt relief solution. Bankruptcy will ruin your credit score for many years. Most people understand, after a bankruptcy, they will not be able to get loans but few people realize that bankruptcy will impact their entire life and that of their family in many unforseen ways.

Unexpected problems can happen to the best of us - bankruptcy, divorce, legal judgments, unemployment, illness, etc. Any of these are very personal and can affect your FICO credit score in a big way. If you have faced a financial meltdown, you need to take action quickly and work consistently if you want to fix your credit and rebuild your FICO score.

Go on-line and search for "free credit report" and you find find pages and pages of offers and advertisements promising fast access to your credit history and FICO credit score. It's overwhelming unless you know how to sort out the really free reports from the sales pitches. Start here...

There are hundreds of marketing pitches that you should ignore when trying to fix your credit score. There are way too many arm-chair 'experts' offering unproven advice these days. Read on for what really works if you want to raise your FICO credit score to 750 or more!

If you want to improve your credit score, you need to go right to the source - your credit reports. Yes, all three reports! You must get reports from the major credit bureaus. They are Experian, TransUnion, and Equifax. Do not get the free versions. Pay for them and get your FICO credit score at the same time. Here is why...

The number one mistake that we made when applying for credit was giving our Social Security numbers to prospective lenders. Why? Because it hurt our FICO credit score. We were not really dumb, just young and uneducated about credit. Here's what we do now...