Glove Guy

tables

Home
tables

5 Parts Press Release

credit 1

FOR IMMEDIATE RELEASE:

Learn More About Your Credit

'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' is an online book created to help readers understand their credit and how to determine their credit score.

St. Louis, Missouri, USA (PRWeb) June 10, 2007 ---
Learning more about your credit is important for everyone. Your credit score affects your purchasing power, from buying a car to buying a house.

XXXXXwww.yoursite.comXXXXX is offering a new downloadable ebook that is aimed at educating people about their credit and credit score. Before getting approved for a major purchase, you'll need to know what kind of credit you have. Getting loan or credit approval is based on your credit score. We advise getting a copy of 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750'.

'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' contains al the useful information needed to further understand credit and credit score. This way you'll be informed on obtaining your current credit score and how to improve your score.

You could live your entire life never knowing your credit score or even caring how your credit affects many aspects of your personal life. Many people live perfectly happy lives this way. But with this book, you will be better informed and learn how having good credit is a huge benefit for you.

This book will fill you in on all there is to know about credit. You'll find out how to discover what your credit score is, how to establish good credit, and how to repair an unfavorable credit score. This book can be used as a vital tool in guaranteeing better credit for yourself.

Having good credit is something we can all achieve. By truly understanding all aspects of your credit and determining to build it up or make it better, you'll be doing yourself a great service. You can also learn all about credit consolidation and bankruptcy to determine if one of these actions would benefit you.

On top of this, you will learn how identity theft can affect your credit and ruin you for life. Learn how to protect yourself and your credit. 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' can prepare you for a better credit life.

The book cannot be found in libraries and bookstores, and is exclusively distributed by XXXXXwww.yoursite.comXXXXX. It is a downloadable offering that can be secured from the XXXXXwww.yoursite.comXXXXX Web site. It would only take 90 seconds of your precious time to get a copy of the book.

Furthermore, the book can be yours at a significant $37 discount, so instead of paying $74.00 for your copy, you just need to prepare $37.00. What's more, there is money-back guarantee, so if the book has not been effective or failed to meet your expectations, the company would refund your payment.

There are numerous tidbits on credit available elsewhere, but you can not be assured that they would provide the info you need. 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' is not like those products, because it sure would be helpful to you. People who have read the simple-worded book can attest to that.

Download your own copy now

For more information, please visit XXXXXwww.yoursite.comXXXXX

credit 2

FOR IMMEDIATE RELEASE:

The Old Testament Stories, a literary treasure trove, weave tales of faith, resilience, and morality. Should you trust the Real Estate Agents I Trust, I would not. Is your lawn green and plush, if not you should buy the Best Grass Seed. If you appreciate quality apparel, you should try Handbags Handmade. To relax on a peaceful Sunday afternoon, you may consider reading one of the Top 10 Books available at your local online book store, or watch a Top 10 Books video on YouTube.

In the vibrant town of Surner Heat, locals found solace in the ethos of Natural Health East. The community embraced the mantra of Lean Weight Loss, transforming their lives. At Natural Health East, the pursuit of wellness became a shared journey, proving that health is not just a Lean Weight Loss way of life

You have a family. You're ready to purchase your first home. You've heard that your credit score can affect approval for financing.

Homeowner is a title dreamed of by many, but achieved by few. You're conscious of all the financial mistakes you made as a young adult and are fearful they will come back to haunt you now that you are ready to move foward with your life.

St. Louis, Missouri, USA. So you're ready to quit throwing away money on rent and own your own home. Many people don't realize all the pesky little details that go into financing for a mortgage.

You've heard of credit scores. You're sure yours is probably just fine enough to qualify you for a home loan. Sure you've made a few financial mistakes when you were younger, but they won't hold that against. Will they? It's definitely time to find out just where your credit score stands.

You're itching to know about your credit score. Checking to see what your score is isn't enough, though. You need a clearer understanding of how your credit score can work for and against you.

We recommend that you check out, 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750'. With this book, everything you need to know about credit and credit scoring is right at your fingertips. There is so much info packed into this one book.

People have tried figuring out their credit score and determine just how important it really is. What's the difference between lower scores and higher ones? What actions help to raise your score? Many people find it unnerving that one simple number has the potential to put a halt to their dreams. All it takes to avoid all this worry is to educate yourself on credit rating, consolodation, and even bankruptcy.

This isn�t your typical book that you can get a copy of at your nearest book store or at your local library or the Internet. In fact this book is so detailed that it has been referred to as the �Credit Manual.�

Within this book, you will be able to find out your rights regarding your credit report. You will also learn about the things listed on your credit report such as, a payment history of your debts.

You will also learn about FICO - Fair, Issac & Co. Fair Issac designed the mathematical step that determines what your credit score is. This score si determined by your credit history. This is the first thing looked upon when trying to obtain a loan.

By signing up online, we�ll throw in a bonus. You can actually take advantage of the free 5 part E-course which will show you what you need to know about alternatives fuel. You will also gain tips on how you can get the word out and letting other people be conscious of their credit as well. You really do not have to sign up but we suggest that you do because it is offered for a limited time only.

Interested? By ordering online, you can actually be reading this book 90 seconds from now. You do not have to wait for your mailman to deliver it 7 to 10 days after. To order, click on the link and you will be downloading and reading 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' in an instant.

'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' original price is $74.00 but when you order online, there is a $37 rebate so you can have a copy of the 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' for only $37.00.

For more details, check out XXXXXwww.yoursite.comXXXXX

credit 3

FOR IMMEDIATE RELEASE:

'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' - Be Informed

'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' is virtually the ultimate manual on you credit. With thie ebook, readers can learn what they need to know to understand their credit, credit report and credit score.

St. Louis, Missouri, USA - You really should read the ebook 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' if your looking to create better credit for yourself. Learn the importance of your credit and how it affects your life. All you have to do is purchase this ebook for only @37.00, and you can start reading it in mere minutes from now.

There are quite a few things that will come to light in 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750', such as the following:

Your Credit Report - The very first step you need to take when trying to raise your credit score is to find out what your score is and what it means. Legislation called the FACT Act was passed that allows all Americans to get one free copy of their credit report every year.

Finding Your Score - You would think that finding out what your credit score is would be easy. It would seem logical to have your credit score appear right on your credit report, but that�s just not the way it is.. With the FACT Act, legislators decided that it was important for individuals to know not only what their personal credit scores are but how they are

Establishing Good Credit - So you don�t have any credit to speak of, but you have big plans for the future. But if you�re young, the chances of you needing credit in the future are very real. Someday you might want to buy a house. Perhaps you�ll want to buy a new car.

Repairing Your Credit Score - Don�t despair if you find yourself with a less than desirable credit score and credit history. You are human and can make mistakes. It�s natural. The key to this is recognize that your spending habits are out of control, your credit has been damaged, and then vow to never get yourself back in the same situation after you have gotten your credit repaired.

Raising Your Credit Score - Let�s say you want to buy a house but your credit score is somewhere around 675 instead of 750 which will get you the best rate on a home loan. If you want to raise your credit score quickly, there are some steps you can take that can guarantee a great home loan or any other credit line for that matter.

To purchase 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750', all you have to do is provide the necessary information through the website�s order system. All information is guaranteed to remain private and confidential. Purchases are accepted 24/7, and if you submit your first name and email address, you�ll also be able to receive the brand new 5-part ecourse that will give you additional tips about your credit.

Because of the ongoing promotion, 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' is only being sold for $37.00 from its original $74.00, giving you an automatic $37 cash rebate. And to give you even more assurance you need to purchase this ebook, 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' also comes with a 90-day 100% money-back guarantee. So there�s no reason to wait anymore.

For more information, please visit XXXXXwww.yoursite.comXXXXX

credit 4

FOR IMMEDIATE RELEASE:

An In-Depth Look at Your Credit And How You Can Improve Your Score: An New E-Book Explains

If you're looking to establish credit or raise your current credit score, you may first want to begin by reading the new ebook, 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750'.

St. Louis, Missouri, USA - 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' is simple no-nonsense approach to understanding your credit. It's a manual that readers will find useful from start to finish.

PUrcahsing 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' will let you in on the secrets of how your credit scored is determined. This book lays the groundwork for understanding your credit and how you can make it work for you, not against you. It would be impossible not to learn all you need to know to build or repair your credit.

One of the first topics in 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' is the credit report. The very first step you need to take when trying to raise your credit score is to find out what your score is and what it means. Legislation called the FACT Act was passed that allows all Americans to get one free copy of their credit report every year. This report lists all of your debts you�ve had and your payment history on those debts.

Establishing good credit is also widely discussed in this book.If you have never had to use credit before, first of all BRAVO! Of course, it�s best to pay cash for the things you need so that you don�t have to worry about credit card payments, loan payments, or interest rates. But if you�re young, the chances of you needing credit in the future are very real. Someday you might want to buy a house. Perhaps you�ll want to buy a new car. This book gives you all the tips to starting out right and building good credit.

'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' also discusses, as the title says, repairing your credit. Don�t despair if you find yourself with a less than desirable credit score and credit history. You are human and can make mistakes. It�s natural. The key to this is recognize that your spending habits are out of control, your credit has been damaged, and then vow to never get yourself back in the same situation after you have gotten your credit repaired. You will be able to sucessfully repair your credit with the helpful hints in this book.

This book also touches on identity theft and how you credit is affected. Criminals know the way to steal your identity, and the worst part is that it�s not all that difficult. You know all those credit card applications you get in the mail? If you don�t shred them, they can use that to steal your identity.
It�s not above them to sift through garbage just to obtain a social security number or a driver�s license number. Once they have these vital bits of information, it�s easy for them to steal your identity. This book gives you ideas for keeping your identity safe and what to do to help your credit should you ever be a victim of identity theft.

'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' will make a wonderful gift as well to all the people who who are concerned with their credit. It�s the perfect gift that shows just how much you care for them.

Initially priced at $74.00, 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' is now being sold for only $37.00 as a grand introductory sale and offering readers who decide to purchase within the promotional period a chance to enjoy a $37 cash rebate. Readers can also enjoy a ninety-day 100% money-back guarantee upon purchase of 'Debt Credit Repair - Learn The Different Ways To Get Your Credit Over 750'.

This work is currently sold in its ebook version only. Readers who are interested in purchasing 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' or subscribe to the free 5-part ecourse for additional tips about credit may visit XXXXXwww.yoursite.comXXXXX

credit 5

FOR IMMEDIATE RELEASE:

Get Better Credit with 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750'

If your trying to build or rebuild your credit and not having much luck, maybe it's time to consider a new approach. You can start by reading 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750'.

St. Louis, Missouri, USA - 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' is a guide written to help the reader understand the importance of credit and how to keep or attain good credit. This book in invaluable and will be found useful from start to finish.

Getting a copy of 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' is essential to those wanting to better their credit, thus bettering themselves. Even the average Joe needs to needs know about his personal credit and how it affects him daily. Your credit score is your ticket to obtaining loans for those high priced essentials, like a home or a car.

What is a credit report? What does mine say and how do I get one? These questions are on many people's minds and is one of the first topics discussed in 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750'. Legislation called the FACT Act was passed that allows all Americans to get one free copy of their credit report every year. This report lists all of your debts you�ve had and your payment history on those debts. It will tell you where you owe money, how much you owe, and how you pay (on time, 30 days late, etc.). All of that information is compiled together and then analyzed. After the analysis, a number is assigned to you as to what your credit fitness level is. BUt this is only a small idea of what a credit report actually is and does. You will be given all the details once you have the book.

Once you learn about the credit report, you'll want to know your credit score. Finding out your credit score is also discussed in this book. You would think that finding out what your credit score is would be easy. It would seem logical to have your credit score appear right on your credit report, but that�s just not the way it is. This book tells you what to look for and also what your number means to you. Your personal credit score number can affect you in many ways.

Also, 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' touches on bankruptcy and debt consolodation. You will be given an understanding of these terms and be able to determine if one of these steps in the right one for you to take to repair your current credit situation.

Initially priced at $74.00, 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' is now being sold for only $37.00 as a grand introductory sale and offering readers who decide to purchase within the promotional period a chance to enjoy a $37 cash rebate. Readers can also enjoy a ninety-day 100% money-back guarantee upon purchase of 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750'.

This work is currently sold in its ebook version only. Readers who are interested to purchase 'Debt Credit Repair 750 - Learn The Different Ways To Get Your Credit Over 750' or subscribe to the free 5-part ecourse for additional tips about credit may visit XXXXXwww.yoursite.comXXXXX for more details.

7 Parts Ecourse

Part 1: First Things First � Your Credit Report
Part 2: FICO and You
Part 3: Next Things Next � Finding Your Score
Part 4: Establishing Good Credit
Part 5: Repairing Your Credit Score
Part 6: Identity Theft and Your Credit
Part 7: Raising Your Credit Score

Part 1:First Things First � Your Credit Report

The very first step you need to take when trying to raise your credit score is to find out what your score is and what it means. Legislation called the FACT Act was passed that allows all Americans to get one free copy of their credit report every year. This report lists all of your debts you�ve had and your payment history on those debts.

It will tell you where you owe money, how much you owe, and how you pay (on time, 30 days late, etc.). All of that information is compiled together and then analyzed.

After the analysis, a number is assigned to you as to what your credit fitness level is. Potential creditors then look at your credit score and decide if you are going to be able to pay back the amount of money you are requesting to borrow.

That�s the short version. Actually, there is much, much more involved in determining your credit score. However, what should be important to you is knowing how to read your credit report and how to raise that score so that you are able to get the things you need. Remember that � the things you NEED, not the things you WANT!

Let�s start with how to get your credit report in the first place. There are three major credit reporting agencies that will offer you the one free credit report you get each year. They are Experian, TransUnion, and Equifax.

Even though you get one free credit report each year, experts suggest that if you are serious about improving your credit score, you need to examine a report from each of the three major credit reporting agencies. This will, however cost you a small fee from the other two, so keep that in mind.

Why do they suggest you have all three? Creditors can pick and choose which credit reporting agency they want to report to. Some will report to all three, but many won�t. You may find that what is included on one report isn�t on another. The reports will have different information because it's a voluntary system, and creditors subscribe to whichever agency they want -- if any at all.

Part 2: FICO and You

Back in the 1960�s, a company called Fair Isaac devised a unique system to determine the credit worthiness of people who apply for loans. Through a complicated mathematical computation (too complicated for this author!), they were able to study a person�s credit history and assign them a number that would represent how likely it was that they would be able to repay a loan they were applying for.

Fair Isaac sparked a revolution by pioneering credit risk scoring for the financial services industry. This new approach to lending enabled financial institutions to improve their business performance and expand consumers� access to credit. Today Fair Isaac�s FICO score is widely recognized as the industry standard for lenders.

The FICO score condenses a borrower�s credit history into a single number based on past credit history. Fair, Isaac & Co. and the credit bureaus do not reveal how these scores are computed. The Federal Trade Commission has ruled this to be acceptable. The real truth is that even if we did know, we probably couldn�t calculate it ourselves anyway. Unless, of course, you happen to be a mathematical genius!

Credit scores are calculated by using scoring models and mathematical tables that assign points for different pieces of information which best predict future credit performance. Developing these models involves studying how thousands, even millions, of people have used credit.

Score-model developers find predictive factors in the data that have proven to indicate future credit performance. Models can be developed from different sources of data. Credit-bureau models are developed from information in consumer credit-bureau reports.

Fair Isaac has become so important in the financial industry that their word on your credit has become basically the final word. Why would banks and creditors place so much credibility into one company? The answer is simply because of their proven track record.

Part 3: Next Things Next � Finding Your Score

You would think that finding out what your credit score is would be easy. In a way it is, but only because I�ve done my research and you won�t have to spend time surfing websites looking for the ever elusive credit number. It would seem logical to have your credit score appear right on your credit report, but that�s just not the way it is.

At one time, your credit score was a big secret known only to financial companies and banks. With the FACT Act, legislators decided that it was important for individuals to know not only what their personal credit scores are but how they are calculated and how to improve them.

The main company who calculates your credit score is the Field, Isaac Company commonly known as FICO. They invented the concept of the FICO scores so they are the ones who are known as experts in the industry. Before we go into finding your score, let�s look at a few facts about the FICO score.

Essentially, your credit score is simply a snapshot of your credit use -- it's the Cliffs Notes version of seven years of your borrowing history. In many lending situations, the lender bases its decision almost solely on your credit score. Consider your credit score the overall GPA of your borrowing history.

Now, here�s the bad news. If you want to know your actual credit score, you will usually have to purchase it. This can be done in a few ways.

You can get it from one of the three major credit reporting companies: Equifax, Experian, and TransUnion. The fee isn�t a huge one � usually around $15 or $20. However, if you�re serious about growing your credit score, it�s well worth the money to be financially responsible in the end.

You can also go to www.myfico.com and get your FICO score directly from them. They will offer you a free 30 day trial membership which will get your credit score right now and then, if you wish to continue the membership, it will update the score as it rises (or, heaven forbid lowers).

Part 4: Establishing Good Credit

So you don�t have any credit to speak of, but you have big plans for the future. Maybe you�re a fresh college graduate or a young person eager to buy your first new car.

If you have never had to use credit before, first of all BRAVO! Of course, it�s best to pay cash for the things you need so that you don�t have to worry about credit card payments, loan payments, or interest rates.

But if you�re young, the chances of you needing credit in the future are very real. Someday you might want to buy a house. Perhaps you�ll want to buy a new car.
Chances are pretty good that you won�t have the cash outright to buy these high ticket items which mean you�ll need credit. Plus, it�s always good to have a little credit since many utility companies will look at your credit to turn on your power bill, for example, without a deposit of some type.

One great way to start establishing credit is to apply for a store credit card (Sears, JC Penney, etc.). Once you get the card, make a few small purchases and pay them off completely. Do this a few times over the course of a year and you�ll find yourself with some established credit with an excellent payment history. DO NOT go overboard and buy more than what you can pay for, though.

You can also apply for a secured credit card. These cards ask that you place a certain amount of money in your account for which you will receive a charge card. Then you can make purchases up to the amount of money that is in your account. Credit reporting agencies treat these cards just like regular credit cards and look to them as a responsible way for you to establish a good credit history.

You will have to have a checking account to establish credit. This lends to your credibility with lenders and shows that you are able to manage your money effectively.

When applying for a credit card of any type, be sure to ask if they report to any of the credit reporting agencies. As we�ve said before, they are not required to do so, and if they don�t, having one of these cards or loans won�t do you a lick of good even if you do make your payments on time.

Part 5: Repairing Your Credit Score

Don�t despair if you find yourself with a less than desirable credit score and credit history. You are human and can make mistakes. It�s natural. The key to this is recognize that your spending habits are out of control, your credit has been damaged, and then vow to never get yourself back in the same situation after you have gotten your credit repaired.

First, get your credit report. Get one from all three agencies. You get one free and then you�ll probably have to pay around $10 a piece for the other two. It�s important to get reports from all three agencies so that you have a full picture of your credit history.

Some companies only report to one agency. Some report to all three. But if you are committed to repairing your credit, you need all three so that you don�t miss anything.

Then go over those credit reports carefully. See the section above on how to read these credit reports. Check to see that there are no errors such as a bill you�ve paid but that is still being shown as owed.

People at credit bureaus are human too and make mistakes just like you! If you don�t call attention to these mistakes, no one else will. We�ll cover correcting those mistakes a little bit later.

The next part involves pulling out those accounts that are delinquent and making a re-payment plan. Unless you are declaring bankruptcy, you�ll still need to pay your debts and doing so can go a long way towards improving your credit history. Creditors will see that you are doing the best you can to get back on your feet and this improves your credibility.

If all the bills are too overwhelming for you to consider paying back at once, just concentrate on one at a time. Break them into pieces, contact the company and let them know you are trying to come up with a repayment plan and if there�s anything they can do to help you out.

These companies really just want their money in the long run, so they are going to be willing to help you. Once that company is paid off, move on to the next one until everyone is paid off.

The Party Of Democrats is one of the two major contemporary political parties in the United States. Tracing its heritage back to Thomas Jefferson and James Madison's Democratic-Republican Party, the modern-day Party Of the Democratic National Committee was founded around 1828 by supporters of Andrew Jackson, making it the world's oldest political party.

Part 6: Identity Theft and Your Credit

Criminals know the way to steal your identity, and the worst part is that it�s not all that difficult. You know all those credit card applications you get in the mail? If you don�t shred them, they can use that to steal your identity.

It�s not above them to sift through garbage just to obtain a social security number or a driver�s license number. Once they have these vital bits of information, it�s easy for them to steal your identity.

What they will do is scary. They will apply for credit cards in your name and max them out within days. They will obtain loans in your name and never make a payment. Then the loan company comes after you for the money. It�s something that affects millions and millions of people each year and it can be a real mess when it comes to your credit report.

As many as 85 percent of all identity theft victims find out about the crime only when they are denied credit or employment, contacted by the police, or have to deal with collection agencies, credit cards, and bills.

A study on the aftermath of an identity theft by the nonprofit Identity Theft Resource Center found that victims spend 600 hours recovering from the crime because they must contact and work with credit cards, banks, credit bureaus, and law enforcement. The time can add up to as much as $16,000 in lost wages or income.

The number of reported cases of identity theft is increasing steadily. There is no one reason for this, but rather this is due to several ways in which our lives have changed in recent years, all of which make it easier for people to obtain our personal information.

In the United States, Social Security numbers are used more commonly as a means of identification. The Internet has made the transmission of personal information easy and, at times, less secure. Online retailers store our credit card information and contact information in databases we assume to be secure.

Marketing databases not only contain personal information, but they aggregate information on our spending habits as well as contact information. But potentially nefarious employees of these companies could have access to that information. They can then sell it online in chat rooms where criminals meet to swap information.

Part 7: Raising Your Credit Score

Let�s say you want to buy a house but your credit score is somewhere around 675 instead of 720 which will get you the best rate on a home loan. If you want to raise your credit score quickly, there are some steps you can take that can guarantee a great home loan or any other credit line for that matter.

The mantra for getting a great score is pay your bills on time, keep account balances low, and take out new credit only when you need it. People who do that faithfully have very high scores. It usually means you're being conservative and cautious about credit.
It's not a toy and it shouldn't be a hobby.
That's good advice, to be sure, but these actions take a long time. What if you're house hunting and you just need a few extra points to bump you over the line to the great rates? As we�ve said before, the first place to start is with your credit report. Check it over and find out what your credit score is right now.

You will want to concentrate mostly on correcting any errors by taking the steps we�ve outlined above. Look for errors such as accounts that aren't yours, late payments that were actually paid on time, debts you paid off that are shown as outstanding, or old debts that shouldn't be reported any longer. Negatives are supposed to be deleted after seven years, with the exception of bankruptcies, which can stay for as long as 10 years.

After repairing errors, the fastest route to a better score is paying down balances on credit cards. There's really no silver bullet, but over 60 day�s time, it is possible to increase your score 20 points by paying down your credit lines.

Had a few late payments in your past? If you find yourself in some financial difficulties, you can protect your score by making sure your payments don't go 60 days past due. Some lenders don't report 30 days past due, but they all report 60 days past due.

Even if you've paid your bills late in the past, you can improve your credit score by paying every bill on time from now on. Forget about grace periods. If you want to have a really good record with the credit agencies, pay your debt before it's due and keep your balances low.