I Have Good Credit But a High Utilization Rate on One Card. What Should I Do? – William

“Dear Steve, I have good credit, and have several credit cards. On one, I have a utilization that is at around 50% (slightly more), and on another I have a zero balance. I am nervous that the one at 50% is high enough that it might effect my credit. Would it be wise to use … Read more

Should I Bother to Payoff Old Debt to Improve My Credit Score? – Kristen

“Dear Steve, I have recently started to pay down some of my old debts, but have become somewhat skeptical of how effective this tactic is in regards to improving my credit score. I have heard a wide variety of things from different people. My question is, if the accounts are already in collections and they … Read more