If you have debt, chances are you’ll have to deal with a debt collector at some point, at least until you pay off the debt. Even if you’ve hired a debt settlement company to help you negotiate down your debt, debt collectors may still contact you for payment. Here are some tips for dealing with debt collectors, even when they get rude.

The majority of credit scores don’t increase or decrease every month, largely because the person is in what is known as “steady state” or equilibrium where their patterns of credit use and payment are balanced over time.

The Strategy –to lower credit utilization, make an extra credit card payment mid-month, either estimating what you owe or checking your current balance online.

When a couple is married, they often hold joint accounts, such as savings, credit cards and mortgages. This links their credit scores together. If you’ve just gone through a divorce, your credit may be in shambles. Sometimes, one partner will run up a huge credit card bill, deplete the equity in the home or otherwise try to wreak havoc with the credit score of the other party. It’s important to address this problem head on.

You and I might revel in the crisp autumn weather, but your credit score hates this time of year. The reason? Starting in October and continuing through the next 90 days, many households dramatically increase their spending.