Are you looking at a low credit score and wondering how you can improve it? Perhaps you are being denied credit because your credit history is limited. Either way, you probably would want to do what you can to boost your credit rating and score as much as possible.

This has probably got you thinking whether or not you can weave in your rental history to your credit score. So, if you are asking the question “Can I add rental history to my credit report?” the answer is yes.

Well, actually, you would not be the person adding it to your credit score. When you ask “Can I add rental history to my credit report?” it would actually be the landlord that adds the rental payment history to the credit score.

That means you would have to ask them to do this for you. Don’t worry. It is not a difficult process at all. Your landlord could probably do it in a few minutes.

When you wonder if you can add rental history to your credit report, you are probably wondering why the landlord did not do it in the first place. Generally, landlords will not report anything to a credit agency unless you have a lease or other agreement and default on it. More on Can I Add Rental History to My Credit Report?

Is the process of do it yourself credit repair as difficult as some contend? Honestly, anyone that is saying that it is very difficult to perform proper personal repair to one’s credit truly does not know the steps involved with such a process.

Those that have experience in this area will tell you that it is not as tough to repair one’s credit as some will lead you to believe. The effective steps that can be taken are often relatively simple and can be put into motion almost immediately. More on Simple Steps of Do It Yourself Credit Repair

One very important element in your overall credit worthiness package is your FICO credit score. But what exactly is that and how does it affect your debt management choices?

FICO is an acronym formed from the letters of its founder, the Fair Isaac Corporation. It is a number between 300 and 850 that ranks credit worthiness according to a proprietary algorithm invented by the company, with 300 being worst and 850 being best. Other companies now have their own variations. More on FICO Credit Score – What is That?

Are you living life in the fast lane? And tired of keeping up with all your expenditures? Life is like that, sometimes you get what you want, and sometimes you don’t. And since this is a fact of life, is there anything you can do to improve your life?

Don’t be desperate; it’s not the end of the world. It’s but natural to incur expenses as you go on with your daily life. Most especially now that almost every price of an item you need is soaring high. This is one reason why people find loans, credit cards, and other credit transactions more attractive. More on High FICO Score on Credit Report Obtains Positive Responses

In today’s world our credit score is everything. Creditors and bankers approve or disapprove loans based on your credit worthiness. It is also something that will determine your credibility to certain employers or landlords.

If you have a good credit rating you will be able to apply for loans and/or credit cards easily. And, ultimately, isn’t that the goal? It will also mean that you will have more chances of getting certain jobs. You will be able to pay your bills on time.
More on How to Deal with Bad Credit Reports

In order to start repairing your credit and improve rating, it is important to have a basic understanding of how your rating is calculated. This in turn will help you understand what you are supposed to do and why.

While different agencies have different reporting systems, FICO is the industry standard and one which most lenders use.

Your credit score, also known as credit rating, is a number between 300 and 850 that summarizes your risk of default. If is also referred to as a FICO score simply because Fair Isaac company developed it.

More on About Credit Score Algorithms and How to Improve Credit Rating

Most consumers do not know that three-figure number that potentially has a six-figure impact on your life. We are talking about your credit score. And most lenders will not give it to you. They will only tell you whether you’re approved or not approved for a loan or credit card. So, how do you find out credit score, your own that is?

First of all, you should know that scores differ among the top three credit reporting bureaus, sometimes by a large margin. Why do they differ? The main reason is that different creditors report to one or two of the bureaus though some do report to all three.

More on Find Out Credit Score Now – Where and How to Do This

I love to watch The Suze Orman Show on TV. I love especially her advice on budgeting, mortgages, and living trusts. But she can be wrong at times (just like the rest of us). On at least two occasions she has given advice which to my opinion was not factually correct. 

Needless to say, she is savvier than I on Financial matters. That’s why she is a celebrity. But focus is mainly credit simply because this is an area in have personal experience. And this is where I’ve seen Suze give incorrect information.

More on Suze Orman – Why You Are Wrong On This

A credit score is a statistical appraisal of your creditworthiness. It’s a swift and uncomplicated means for banks to assess whether or not you can pay back loans.

There are several factors that go into calculating your credit score, including:

1. How you pay your bills

2. How extensive is your credit history

3. What’s your credit limit on credit cards and how much of it you use

4. What type of credit you have (is it is mixture of auto loans, credit cards and mortgages or all credit cards? 

5. How much credit and what types have you applied for recently

What is a good credit score? In general, a good credit score is somewhere between 650 to720. An excellent credit score is above 720. Those are the numbers you need to strive for to get the best interest rates.

How to Boost Your Credit Score

Your first step toward improving your credit score is paying your bills on time. Your bill payment history, particularly your recent history, accounts for a percentage of your credit score. So paying bills on time can be a big boost in improving your credit score.

Next, outline your credit cards with the highest balances and compare to the available credit on the card. Pay those first. For example, if you own a credit card with a  $1,000 balance and $2,000 available credit and another card with a $3,000 balance and $20,000 available credit, you’d want to pay down the card with the $1,000 balance first.

This is because your credit fico score is based upon how much credit you use as a fraction of the credit available to you.

Preferably, your credit balances should be no more than 40% of the credit available to you.

Finally, don’t close out credit card accounts. It’s advantageous to leave the accounts open and not utilize them than to close them out.  This shows responsibility to creditors on how you manage your credit wisely.  Based upon the credit bureaus statistical appraisal, it drives your credit score up!

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Discover credit score improvement tactics creditors just dont want you to know. Check out The Credit Secrets Bible today.

The Credit Secrets Bible is a course for people who have a bad credit problem, or have difficulty simply want to build good credit. Having studied numerous courses and read many books on the subject of credit repair, some of which turned out to be dards, I was naturally skeptical about this one.

The first question I asked myself was, what new lesson could I learn from this course that I did not learn from all the others courses, books and manuals?

But as soon as I started reading the very first pages, I was blown away. There was so much I did not know! There are many little details that impact your credit score that you probably do not know, at your credit peril.

Read the full review