Consumers with poor credit don't just pay higher rates on car loans. They also pay much higher premiums on car insurance, say experts. Here's what you can do to lower your rates

With mortgage rates at historic lows, many people are eyeing a refinance or taking out a new mortgage. However, before you rush out to apply for a low rate mortgage, it can pay off big time to spend some time working on your credit score and making sure it is at its best.

Improving your credit score doesn't have to be a long, difficult process. There are a number of quick fixes that can get you results in as little as a few months. Here are eight ways you can improve your credit score, without a lot of effort …

Most people know that paying bills on time is a must to keep credit scores high. But credit scoring models are complex, and there are many other factors involved in winning the credit score game, say experts.

The success of FICO scores has spawned numerous other credit scoring models, all of which have slight variations in how they profile consumers. Here's how to make sense of the different credit scores that are available to you.