Some people care nothing about their credit scores because they live debt-free and never plan to borrow money again. Could you pull it off?
Many people are confused about who keeps track of your credit history and what they do with that information.
As consumers become more savvy about their scores, it may be time to look instead at the underlying factors that go into them.
Immediate damage to your scores can be substantial. It's yet another reason to monitor your reports.
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.
Errors can be costly and difficult to dispute. A federal agency plans to write new rules to protect consumers.
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