Credit score

I have always paid my debts in full and on time. I have a credit score near 800. I had to make a purchase of $3900 and used my creidit card. My limit on this card is $20,000. I am paying the amount in full before the due date the end of Sept. Will this large aamount affect my credit score since...

We've managed to pay our many bills, but it has really been hard. We've thought about a credit counseling service yet were advised that it can hurt your credit as much as bankruptsy does. Recommend or not?

I have been advised that I should transfer part of a balance of one credit card to another card in order to maintain 50% debt to credit limit ratio on _each_ card even though my _total_ debt to credit limit ratio is already below 50%. (Most of the debt is on one card for convenience.) I could...

Just some background information- my brother has many, many debts. (he is a lawyer that just never succeeded and has no real work ethic) So he uses my father's credit cards, pays the minimum amount every month, and he basically lives off of my father's credit cards for all of his expenses. My...