 TITLE: How Do Credit Cards Affect Your Credit Score? CONTENT: The Bottom Line\n---------------\nCredit cards—especially how you manage them—can have a significant impact on your credit score. To get a better picture of how credit cards may be affecting your credit, monitor your credit reports and credit scores regularly. You can get a free credit report from each of the major credit bureaus (Experian, TransUnion and Equifax) once every 12 months at AnnualCreditReport.com. You can also get a free Experian credit report and FICO® Score to make sure you're on the right track or find out where you might be able to improve. END