By Becky Kaes With mortgage rates falling to yet another record low for the 15th time as 2020 came to a close, consumers should optimistically set a New Year’s Resolution to improve their credit score. The most common aspirations for the coming year are to eat healthier, get more exercise, and to save more money; but unfortunately, it is very rare for people to keep resolutions for the entire year. According the U.S. News & World Report, 80% of all resolutions fail by mid-Feb
