Stacey is single and took her first ever job last year. She has been diligently saving and has $10,000 in a regular savings account. She has another account with enough money to manage the next three months of expenses.

Stacey is interested in buying a new car. The car dealer told her that her credit score was not high enough to be eligible for the 0% finance offer and she simply cannot understand why. She pays all of her bills on time. Stacey knows you took a personal finance class and asks you 1) How can I improve my credit score and 2) What else can I do to improve my overall financial situation?