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Polishing your credit score -- Good credit is not just nice to have, it's crucial for survival in today's world. You might be surprised to discover how often your credit history impacts your life

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ADDITIONAL ARTICLES 
 

Got no spare cash? It's an American problem
Ours may be the world's richest country, but our culture encourages us to spend rather than save.

8 steps to take before bankruptcy
Want a fresh start? Before you take the bankruptcy step, here are some ways to dig yourself out.

Paying extra doesn't always pay down loan
Adding more money to each car payment can just get you ''free months'' that don't reduce your principal.

Credit card minimums up, law changes
Your monthly payments will be higher and your odds of escaping them will be lower, says Steve Bucci.

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