Are you “credit challenged”? The...

People can work hard to prepare for financial turmoil, but sometimes life just happens. When things get tougher financially, it’s not the end of the world. There’s a lot of easy steps you can take to improve your credit and ensure your finances are in good standing moving forward. Here are some simple steps to boost your credit rating: Pay down credit cards/debts: The number one way to increase your credit score is to pay down your credit cards. Using only 30% of your limits is a good guideline. Limit the use of your credit cards: Racking up a large amount and then paying it…