The credit repair industry is exploding as tighter lending rules prompt many consumers to seek ways to push up their ratings. But beware: Unscrupulous practices are common.
Plus: If you have just one credit card and pay if off every month, how does it affect your credit scores? MSN Money's personal-finance expert answers reader questions.
Have you ever wondered why it is easier to spend money using a credit or a debit card, than spend actual cash? Why is the plastic money much easier to spend?