S,
Good advice for your friends...and, as QwkAg suggested, common sense as in
spend less, be smarter. One bit of inside dope: stop using all but one card, but
don't cancel any of those unused cards for a long time.
Here are some links; some of the links have motives, but all good advice,
if not earth shattering.
GL,mD
http://www.creditreport.com/info/cre...0&utm_term=819
http://homebuying.about.com/cs/yourc...rove_score.htm
GOOG has pages, but they all offer about the same basic advice...