Turn your credit score from a gremlin to a majestic unicorn

Nobody forgets the thrill of their first credit card. Maybe because it tastes like sweet freedom … or because it leaves a permanent mark on your credit score when you forget to pay off those spending sprees. Who else hit the mall feeling like they had "free money?" Well, now that you're a real adult, it's time to improve your credit score. If you want to apply for a home loan, increase your credit limits, or get more credit cards, it's unfortunately necessary.