kiplinger

9 Secrets to Better Credit

kiplinger:

1) A little debt is desirable

2) You can negotiate

3) You’re being tracked

4) You may be punished for good deeds

5) You may not see the score your lender sees

6) Opening a new account won’t hurt much

7) Closing credit cards could hurt

8) Poor credit? Utilities may require a deposit

9) Your credit history could scuttle your job prospects

Learn how to get a better rate on a mortgage, negotiate a better deal from your card issuer, or even land a job.