NEW YORK - Here’s one way to dodge credit card debt and late fees: Don’t carry any plastic.

Credit expert answers common questions (Akron Beacon Journal)
Jay Seaton, area president of the Consumer Credit Counseling Service, compiled the following questions and answers on the subjects of credit, debt and savings.

Lenders tighten credit terms (Pittsburgh Tribune-Review)
Continuing housing problems, now coupled with Wall Street’s financial crisis have chased easy credit from Main Street.

How credit card use impacts your FICO credit score (AP via Yahoo! Finance)
Your FICO credit score is made up of five factors of varying importance. Here’s how your credit card use can affect each of the components.

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