Incorrect and outdated information can lower your credit score and raise interest rates on loans.

Getty Images Q. Due to the changes in the laws, credit card companies are charging higher interest rates and other costs for not using the card. If I cancel my credit cards, will my credit score change? What’s the best...

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By Mignonne Hollis & Mark Schmitt Dear M & M: I have been in business for several years. I am looking for a business loan to help pay off some credit card debts. Recently, the interest rates have been increased and with slowdown in the economy I am having trouble making the monthly payments. If I could consolidate all of my credit cards, I would be able to manage and keep my business going ...

The recession may have done a number on your credit score, even if it spurred you to reform spendthrift ways and cut up your credit cards. For many, the drops have come at the same time that lenders have tightened their standards and demanded higher scores to get the best interest rates.