Knowing when to turn down easy money in the form...

Knowing when to turn down easy money in the form of credit can help keep the credit score at a reputable level. Credit: iStock

You see the ads on late-night television promising to fix your credit, "guaranteed." Don't bother. They can't do anything that you can't do yourself, and if they're not a reputable company, they could do more harm than good.

Here's how to DIY.

Saving oysters in Great South Bay ... America 250: Nathan Hale ... Healthcare coverage cut looming Credit: Newsday

Newsday investigation: Sex buyers go free ... ICE detainee released ... Saving oysters in Great South Bay ... America 250: Nathan Hale

Saving oysters in Great South Bay ... America 250: Nathan Hale ... Healthcare coverage cut looming Credit: Newsday

Newsday investigation: Sex buyers go free ... ICE detainee released ... Saving oysters in Great South Bay ... America 250: Nathan Hale

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