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Your Credit Score: FICO Plans to Eliminate Authorized Credit Card User Accounts - Part 3 For years young adults with no credit history, limited credit history or blemished credit history have worked around the problem by having someone with good credit—usually a parent, spouse or good friend—added as an authorized user to their credit card. All of this is about to end as Fair Isaac (the developer of the FICO credit score) will create a new scoring formula to eliminate the authorized user tactic. Your Credit Score: 6 Actions You Can Take To Improve Your Contract Terms - Part 2 The three top credit reporting agencies were too cheap to offer a toll-free line and better service on their own, and would not even continue to maintain the toll-free line system they were ordered to implement unless faced with prosecution by the Federal Trade Commission. Here are 6 things you can do to help protect yourself and your credit score. Your Credit Score: How It Can Cost You Thousands More on Your Mortgage - Part 1 A sharp rise in the delinquency of subprime mortgages has caused lenders to tighten up their standards and actually reject applications. Should you attempt to refinance your present mortgage or seek a new mortgage, your credit score has become more critical to your loan approval. Can it make a difference? Yes, it can make a significant difference in payment. Find out how and why.