CHESSNOID

Your credit and credit score may not matter to you now because you are not in the market for a car or house, but in the future you will be.  That is not the ideal time to improve your FICO score because there will not be much you can do the change it.   The [...]

To improve your credit scores, it’s important to know where you stand now. You can get free credit reports once a year, but you typically have to pay to see your FICO scores.
Don’t fall for the myth that you have to carry a balance to have good credit scores. You don’t, and you shouldn’t. But [...]

There is a ton of great information nowadays available on the internet especially about credit. There is no need to go to the libraries to read up on them. Of course, since the internet is like a giant wikipedia, there is a ton of conflicting information that often contradict each other.
In a way it [...]

Repairing your own credit report is quite easy on paper, but it takes time and effort to get it done.  I personally have done it and it took me about 2 years of writing letters and following it up with even more letters. All you really have to invest is your time, some letters and [...]