If you notice an unexpected change to your credit score, don’t panic—it’s probably not because you’ve been accidentally neglecting to pay your cell phone bill or an anonymous benefactor paid off your mortgage
While cutting up credit cards might make us feel more on top of our finances, it's not necessarily therapeutic for your credit score. Even cards that you don't use anymore and carry sky-high interest rates can help your credit score.
Whether you’re pulling your hair out because you can’t seem to save enough money for your emergency fund or you’re having a hard time dealing with your significant other’s spending habits, various types of money anxiety can be triggered by what one expert labels as “thinking traps.”
For most people, thinking about their credit–and trying to improve it–usually isn't a rollicking good time. But your credit is so important that when you do need it–say, when it’s time to buy a house or a car–you'll really wish that you had given it some thought.