Here is the scenario: We are a married couple, two kids. Both work full time. Combined annual income is ~$154,000/yr. Credit is crap…creditkarma says we have a 600 credit score.

Creditworthiness is often based to a large degree on credit reports. These credit reports have a large impact on an individual's credit score.

If you're a victim of Identity Theft There are important steps to follow for those who believe they are victims of identity theft.

Impact Of Foreclosure Or Short Sale On Fico Score In regards to the options between a short sale or foreclosure. They both have the same impact on your FICO.

This is a great guide to help you clean up your credit report FAST! Get your copy now:

Credit does not refer only to a credit card. The term credit is used to describe an individual's financial dependability. How trusting a creditor is toward you depends on your credit worthiness.