The current economic crisis has shattered the credit world and has doubled the number of people sitting at the poor credit scale. Over 35 million Americans today suffer from bad credit and the various issues associated with it.

When your credit is less than perfect and you know this, it can be overwhelming to begin the process of fixing it so you can increase that ever important FICO score. You need to protect your credit with everything you’ve got because having a good credit rating is your livelihood. Whether you are just starting out or you’ve had credit cards before you need to learn how to manage your finances responsibly in order to keep your credit score high.
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