Photo Credit: Flickr.com/photos/401(K) 2012 Ever wonder why every third commercial is for another goddamn Check Your Credit Score for Free Just Kidding Not Free website? Because we are dumbasses about credit. Here are a few ways to perk up your credit score and avoid being a Credit Dumbass. LOWER YOUR USAGE Credit usage is (much like

This is probably the worst aspect of being a broke-ass, being behind on bills. It’s not a huge leap in logic to assume that since you are broke, you are also neck deep in debt. Since you are broke, you probably don’t have much money to put towards the bills