You just ordered your free annual credit report online via https://www.annualcreditreport.com. Now what??? Federal law requires each of...

What do you do? You work a pretty decent job, pay your bills on-time (for the most part) and you try not to spend your money on frivolous t

As you can see from the pie graph above, PAYMENT HISTORY and AMOUNTS OWED significantly influence your credit score. Remember, ALWAYS pay y