Let’s begin on understanding what credit is. A credit score is a statistical number that evaluates an individual’s credibility. Businesses use credit scores to determine the likely hood of a consumer repaying their debts.&n...

Everyone seems to have at least one credit card, even if some use it only for emergencies. But many consumers carry three to ten cards to cover random purchases throughout the day. Before they know it, they have maxed out several cards, and their ...