Seven myths of how your credit score is determined and reported, and what you can do about. With the economy reeling and home-loan rates at a nine-month high, lenders are scrutinizing everyone's credit history like never before.

Revised credit-card rules may be mostly good for consumers, but beware new traps laid by some card companies New pieces of the most-sweeping credit-card reforms on record kick in today, outlawing double-cycle billing, retroactive rate hikes and many other longtime practices of the U.S. card industry.

At a glance TODAY Institute for Supply Management releases its manufacturing index for December.

Consumers must sock away more cash to cover themselves for emergencies, credit counselors say If there were only one tip credit-counseling experts could give you in 2010, it would be this: Save your pennies -- and dimes and dollars too.

With delinquencies running at all-time highs, issuers more willing to negotiate What if you can't pay your credit card bills?