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The Credit Secrets Bible

Sometimes I spend weeks without even a thought as to my credit score or report statistics. But, as someone who works in the credit industry, I am absolutely shocked at how many people have never given ANY thought to their report. None. Nothing. Never even guessed at what it may say.

I was talking to a woman last week who was well into her forties and had never once checked her score. She had no idea what scores were possible and had no idea how it worked. She even asked if it was rated on a 1-10 scale or what. It was amazing to me, someone who checks every couple of weeks on a schedule, just to be sure. Well, the first thing that came to my mind, was the fact that she must have some damn good credit, pulling up in her Corvette. To have no idea what ones score was and yet still own a car like that, and she owned two homes, required good credit.

To not have ever been challenged or to have to think about what interest rate you may receive from a lender must give that woman real piece of mind. She has never checked because she was doing well and had never had a situation arise that forced her to take a good look at her credit. Good for her….but for the rest of us “normal” folks out there, our scores are ever changing and sometimes it seems a constant battle to keep it where you want it.

Your credit score plays a major impact on your wallet, from credit card rates to the home loan with the right terms, it can make a big difference in your monthly payments when your interest rate is too high. Your credit report is now even being pulled when it comes to things such as housing rental applications and some employment offers. It can really pay to be educated when it comes to credit scoring and know how to keep your score at the right number for you.

Make sure you buy a good credit report book and become educated and you can fix your credit yourself. Even the Federal trade Commission has stated right on their website that “anything that a credit reporting agency can do for you, you can do for yourself.” Get in the know when it comes to your credit score. It can be pretty simple to raise your credit score and improve your rating, sometimes in only a matter of weeks if you know what you are doing.

The Credit Rules and Acts out there are written for the consumer and to help the consumer. When used well, the right techniques, letters and tips can help anyone to fix their own credit and raise their credit score to obtain the most desired and of course lowest interest rates around.