You may already know your credit scores play a critical role in your access to credit. Learn to sort out fact from fiction when it comes to credit scores.

Your credit scores can play a role in buying a home, getting a job or getting a loan. Take our quiz to see how much you know about credit scores. 

Maintaining a diverse credit mix can positively impact your credit scores. But what is a credit mix and how do you create it?

What happens if one of your credit accounts is sent to a collection agency? How will it impact your credit reports and credit scores, and for how long? Learn more here. 

What is a debt to credit ratio? What is a debt to income ratio? How are they different -- and why do they matter to lenders and creditors?

If you're concerned your credit scores may hurt your ability to get a loan or line of credit, there are some steps you can take and options you can consider.