financial independence

 Take all of your credit
card statements and write down the balances owed for each card and the
corresponding interest rates (Annual Percentage Rate). If you have Excel, use
it.  Once you have the list, prioritize
it by the highest interest rate credit card first and lowest rate last. 

You can run, but you can't hide. Your credit follows you everywhere you go. Whether you move, you change jobs, or stop buying - your credit history will be used to evaluate you for a new credit card or loan.

The main credit reporting agencies
are Equifax, Trans Union, and Experian. They all use the same formula
to calculate your score, but each one bases the calculation on slightly
different information about your credit history. Hence, your score from
each agency is a bit different