Signs of credit trouble include late payments, high credit utilization, maxed-out credit cards, frequent credit applications, collection calls, legal actions, declined credit applications, inaccurate credit report information, neglecting bills, constant borrowing, and difficulty covering basic expenses. These signs suggest financial difficulties and the need for proactive steps to improve credit management and overall financial health.

Some strategies you can develop to avoid confusing the use of adverbs and adjectives: If the word modified is a noun or a pronoun, use an adjective. If the word modified is a verb, an adjective, or another adverb, use an adverb to modify it.