A reader asks…

When I turned 18 I knew I needed credit cards to grow credit. When I reached the $500 limit on my first card and the $2000 limit on my new card when I found that this was not good for my credit. I hear that as long as you don’t spend more than half of the available balance your credit will be fine. Is this true?

A Reader Asks…

I really need a company that will tell me how to improve my credit score on MY specific credit report, not general tips.

A Reader Asks…

How is bad credit and good credit determined, and given my situation, how do I make it better.
Please help because I’m thinking about giving a credit card a try since people owe hundreds and thousands of dollars on them, and somehow continue to be approved. Don’t get it.