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Kate and her mom were going shopping for school supplies. Kate had her mind set on exactly what she wanted. She’d even scribbled a list of all the things she was going to buy at the store.

Q: I’m working on improving my credit score, so I’m being extra careful about paying my bills on time. But, since I don’t see these payments reflected in my score, I’m wondering: Do my monthly payments, like utility bills, count toward my credit score? 

Being turned down for a loan can be, at any time in your life, can be very disappointing whether it’s a mortgage loan, car loan, small business loan or any other type.