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Miranda, thanks for a very clear, concise set of tips. You mention the importance of consistency in the name one uses for credit accounts -- at what level of detail does this matter? If I sometimes use a middle initial and don't use it on other accounts, does this create a level of inconsistency that could affect my credit score? I even have a few accounts (for some of my utility bills, for example) in which my name is misspelled. Is this a problem for my credit score? I had never before considered that it could be anything more than a nuisance!

if your name isn't completely consistent. It's not one of those really important factors. But it can affect your credit score in a minor way. If you are on a cusp between good and great or good and fair, etc. it might tip the scales against you.

Start now, moving forward, to be more consistent with your name.