What happens when you are sued by a debt collector? While it may feel like the end of the world, it’s a pretty routine occurrence in courts across the country. Most debt collection law firms file hundreds of lawsuits a day, assuming that 99% of defendants will not answer.

NSF checks (Non Sufficient Funds), also referred as a bounced check are considered bad and will end up on your credit report — lowering your FICO Score and preventing you from obtaining credit.

Let’s say you already have a past due on your report and you want to get the debt off your back, so you agree to pay for 75 percent of the debt.

Today having good credit reflected in your credit report is important in every financial situation you find yourself in as you probably know and knowing a few tips about credit repair can solve a lot of your credit problems. In our world credit determines just how much interest you’ll end up paying on your house, car, truck, etc.

If you haven’t started playing the FICO game yet, here are 10 little-known credit cheats that will help you get to the next credit level. There’s one score that follows you around for life — your credit score!