We’ve all seen the commercials with the funny band playing a catchy tune and doing something goofy, all for the sake of checking your personal credit score. Bad credit is becoming a problem in the US. According to Barry Ritholtz of The Big Picture blog, 25% of Americans have bad credit. But understanding what can cause bad credit, and how to spend and invest wisely may keep you out of the bad credit score club. The popular opinion about the use of credit has been in a constant state of change over the last few generations. Years ago, credit was...