Authorized users, like cosigners, should be carefully considered before adding them to a credit card account. If not, it can be a costly mistake and will likely ruin your credit score.

Debt can crush not only your score, but also your spirit as you are on your personal finance journey. Understanding how to better handle that debt that is in collections will give you confidence to needed to battle debt as as whole.

Cash is king but so is credit. Having good credit will take you a long way in life. It is important to get and keep a good credit score. Save the cash, leverage your credit.

Both Vantage and FICO count your payment history in your credit score. Here are the two main differences.