Where can I learn everything about credit card, credit score, charges, and how to increase score?

I'm tired of not knowing how I'm charge when I buy something on my credit card and stupid credit score. If you have site that explains about how credit card work and the charges and how to increase your score than please help me out. Thanks all.. I don't know which answer to pick because all answer are wonder so I'm going to let yahoo pick.

Public Comments

1. www.ftc.gov ; www.annualcreditreport.com ; www.myfico.com ; www.experian.com ; www.transunion.com ; www.equifax.com ; www.creditcards.com ; www.about.com
2. hi, here's my bookmarked guide to all my credit concerns...NHBS
3. The best site that I have found is the CreditBoards.com. There is a forum section with a wealth of information, from credit basics to how to clean up bad credit. Well worth the read, and a lot of knowledgeable people looking to improve their credit, and willing to share their knowledge.
4. I'll try to give you a starter about the important stuff -- Banks lend money to people for a small fee which is usually a percentage of the overall loan. This is how they profit from loans and can continue to stay in business. However when someone doesn't pay their loans back in a timely manner, the bank loses a lot of money. When a lot of people aren't paying their loans back they run into all sorts of problems! And so for banks and other lenders to make sure they can stay in business and continue to offer loan products, a credit scoring system was developed to rate people based on the likelihood that they will be pay their loans back. People with lower scores have lower scores because their credit report has a history of missed or late payments. Enough of these entries on your credit report and not only will you have a low score but you will immediately make yourself look like a high risk to a bank with little chance of return -- and in effect banks and lenders will not lend to you. So if you want a loan, the trick is to make yourself look appealing to lenders. One way to do that is demonstrating that you have enough income to pay your loans in a timely manner. Primarily, however, to make yourself look even more attractive to a lender -- e.g. they will make money from you and not lose money -- showing that you are responsible with your bills and debt is the only real way -- and that is reflected in your credit score. Here are the score ranges: * 760-850 Excelent * 700-759 Very Good * 660-699 Good * 620-659 Marginal * 580-619 Poor * 500-579 Very Poor Here are my 10 steps you can use to build your credit score quickly. I raised mine to well over 700 points fro 500 using these steps in less than a year: 1. Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score monitoring listed on the article below. It really helped my get my score up.) 2. Never Miss a Payment, Starting Today 3. Never use more than 20% of your Available Credit 4. Keep Credit Cards that Have No Annual Fees Open For as Long as Possible 5. Extend Your Credit Limit on Cards You Already Have before You Get New Ones 6. Get Credit Cards that Have CashBack Rewards to Contribute to your Balance 7. Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit- 8. If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan 9. Take out a Small Personal Loan and Repay it Over a Year 10. Ask Someone With Good Credit if They will Account Shadow you When you're trying to build a solid credit score it's important to get a comprehensive view of what is actually effecting it... Your Credit Score (also known as your MyFico score) is calculated with the following breakdown: * 35% - Payment History * 30% - Credit to Debt Ratio * 15% - Credit History * 10% - New Credit * 10% - Credit Types in Use If you excel in one area and lack in another, only fixing the areas which you lack are going to improve your score. AND of course you can learn more on my blog with this article in particular: How Can I Increase My Credit Score * http://millionster.com/articles/debt/ask-1mil-how-can-i-increase-my-credit-score/