Credit is something you need to have in order to get, and developing a great credit score can take time. However, if your credit score is poor or you have no credit, there are things you can (and should) begin to do today to help you build your credit score over time. Let’s start by considering a few things you should know about your credit score. 
As I discussed earlier, your credit score usually develops over time. As your credit accounts age, it shows that you’re able to manage your credit. …

You should demand to get your FICA score as soon as possible.
Why? Because this key credit number can determine how much you pay on your house, what your insurance rates are, and even whether you get a job, it is important to know what it is. But, even though you can get free credit reports, in order to access your FICA score, you have to pay a fee.
That’s just wrong.
When Congress authorized the bill to require that the credit bureaus give one free credit report per year, they overlooked a very …