Managing your credit is more important and more complicated than ever. With good credit, you can get a bigger house, a better car, a lower credit card rate and less-costly insurance. Without it, you'll always have a drag on your finances -- and that means fewer of the things you want. Whether you're applying for first-time credit or are deep in debt, this section is for you.

Not sure where to start? Try our debt-o-meter.

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The future of FICO -- A little three-digit number, practically unknown a few years ago, keeps growing in importance for your finances.

Late with one creditor? All will punish you -- A trend in the financial industry is for Company X to jack up your rates because you were late to pay Company Y.

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FAQ about dealing with heavy debt -- When debt is rising out of control, these tips will help you cope.

Garnishment: the unexpected pay cut -- If you don't pay your taxes, child support or other debts, creditors can tap your paycheck.

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The basics of bankruptcy -- You don't want to declare bankruptcy. But if you must, do it right.

Some credit counselors helping themselves -- The growing industry attracting scam artists who rip off the vulnerable.

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Are you financially self-destructive? -- These questions will help you find out whether your habits are sabotaging your finances.

The true cost of paying the credit card minimum -- Our calculator will show you how long it'll take to pay off your card balance if you only pay the minimum. Find out what it'll take to pay it faster.

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