Having bad credit can be a real downer. But although the modern age has made it easier to build and destroy credit, it’s also made it easier to manage credit, too. With smartphones and the Internet, it’s now easier than even to have a firm grasp on your spending habits and the health of your credit. So for those of you who are struggling with maintaining a good credit score for an extended period of time, here are three ways you can use your phone to help fix your bad credit and continue to keep those scores high. [Read more…]