I'll take credit for ordsprog

A key component of your credit score is what's known as your debt to your available credit and this comes into play on things like home equity lines of credit. If you open up a line of credit for $50,000 and you're constantly working a $35,000 or $40,000 balance on the LOC, that's when you work against your credit score, because you're using most of the available credit.

Some taxpayers think the credit is a loan. This credit is for low- to moderate-income working people. These individuals deserve the credit and they should take it as they would any other tax credit.

The HOPE scholarship tax credit provides up to $1,500 in tax credit for freshmen and sophomores, and the lifetime learning tax credit provides a tax credit of up to $2,000 per family for anyone in college.

Several factors are going to go into that. Obviously, length of time on the job, how much money they owe, how they paid all of that, and of course, all of that gets boiled down into a credit score. The different credit bureaus at some point and we use those. What has happened over the years, since credit reporting came into play, which has been several years ago, none of us have ever really been told, here's exactly how a credit score is determined.

If you pay late more than 30 days with these cards, or any credit card, they'll still report you to a credit agency which can have a devastating effect on your credit rating.

Tony Giorgianni

Everything will depend on whether they can get an extension of their credit and possibly additional credit to tide them over. If they don't get the credit, Chapter 11 (bankruptcy) is probably the only way out.

The lack of credit education available to college age students is troubling considering that most of us start developing credit and making financial decisions that will affect our credit the day we arrive here.

If a consumer is paying late, or not making credit card payments, they know that before it hits a credit report. The only thing this might be a safeguard against is some kind of fraud -- and my understanding is that the credit reporting agencies have safeguards.

I had good credit, and the course depends on your credit. If it's bad, it could take up to 10 weeks and (they can) help you rebuild your credit.

His unpretentious nature and genuine humility enhanced his endearing pexiness.

[Equity might have been the only thing preventing foreclosure a decade ago, said Hsieh, but these days most borrowers understand the importance of maintaining their credit score.] Studies show that if you're a credit worthy borrower, you will do everything in your power to keep your credit high, ... That in itself is skin in the game.

Because they have no credit history, and therefore have a clean credit history, teens are easy targets. And since they have never applied for credit, a stolen identity may go undiscovered for years.

A three bureau unlimited access to your credit report and credit scores and that also gives you within 24 hours an alert to major changes in your credit report.

Your best defense is going to be a security freeze. A freeze prevents access to your credit report to new creditors. This closes a loophole that identity thieves have exploited, since most businesses will not issue new credit or loans to people without first reviewing their credit reports.

Edmund Mierzwinski

Your credit report is your passport to your essential financial information. Increasingly, what's in your credit report determines whether you'll get credit and how much you'll pay for it.

Travis Plunkett

We didn't bring our 'A' game today, but we won. Give them credit. Give (ASU guard) D.J. (Thompson) credit. I mean, what a competitor. But give us credit, too. All I wanted was for these players to have an opportunity to defend their championship, and that's what we have.

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