Credit scores can help or hinder individuals and families as they try to make ends meet. Kim Miller, a certified financial counselor with LSS Financial Counseling, encourages you to review your credit report at least once a year if not more:

Late payments on your credit cards account for 35% of your credit score, and one delinquent payment can substantially lower your score. You can check your credit score for free at annual-credit-report-dot-com.


(From Missourinet)