If your personal information is exposed in a data breach or you are the victim of identity fraud, a recommended step to take is freezing your credit. A credit freeze "is a restriction you can put ...

Your credit utilization ratio is the amount of debt you have divided by your total credit limit. Credit utilization accounts for a decent chunk of your credit score, so aim to use no more than 30% ...

How to cancel a credit card without dinging your credit score Carrie Pallardy has more than nine years of experience writing about a range of topics, including healthcare and cybersecurity.