Many people are confused about who keeps track of your credit history and what they do with that information.
A new survey also says 32% of Americans think homeowners should be able to strategically default on their mortgages without facing consequences.
As consumers become more savvy about their scores, it may be time to look instead at the underlying factors that go into them.
A rent-to-own plan is an expensive alternative for people with bad credit, and it won't help them improve their scores.
There are times when it's worth a hit to your credit scores to tell a card issuer you don't want to do business with them anymore.
If you want to be technical about it, you don't really have a credit report on file with the credit reporting agencies to begin with.
Using a credit card for all of your expenses in an effort to get the most rewards could reduce your credit scores.
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The Market Dispatches column has been discontinued. Here's where to find the latest stock and business news on MSN Money, and the latest from market writer Charley Blaine.
MONEY & POLITICS
Breaking up big banks is an untested solution to the too big to fail problem that attempts to isolate and dismantle large, troubled institutions while protecting the rest of the economy.
Your Easter celebration, from ham and eggs to spring clothes, will take a bigger toll on your wallet this year.
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