1. Credit Karma
Half the battle in attempting to improve your credit score is knowing all the different factors that go into it. Credit Karma is a new free service that provides two free credit scores as well as information on the factors that influence your credit score.
Nerdwallet.com compiles a wealth of resources for those worried about credit and their credit score. They have ranked all the best credit cards grouped by the type of reward. Using their list of low interest, no balance transfer credit cards, someone with a lot of credit card debt can transfer that debt to a no-interest card, and pay off the principal without paying the steep interest on credit cards.