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Credit Score
Your credit score is determined by scanning your credit history and running mathematical computations on the records. It is used - along with your credit report and other information from your loan application - to determine your creditworthiness and what type of interest rate you will receive. Generally, credit scores range between 300 and 850 - the higher your score, the better.

Factors that are used in a credit scoring model include:
Payment History
The amount of credit to which you have access
The amount of credit your are currently using
The length of your credit history
Recent requests for credit
Tracking your credit score allows you to place a numerical value on changes in your credit report.

5 Quick Steps to a Better Credit Score
Learn how to manage your credit score and improve your creditworthiness

Think of your credit score as a picture of your credit risk. This picture reflects your risk at a specific point in time. A picture does not change; however, when you take another one, you will probably
look a little different. Similarly, when your credit information changes, your score will also change
to reflect the updated information.

There are steps you can take to ensure that each time a new “credit picture” is taken, it shows your best side. By observing the following guidelines, you can influence your credit worthiness for the better:

Be punctual- Pay all your bills on time. Late payments, collections, and bankruptcies have the greatest negative effect on your credit score.
Check your credit report regularly and take the necessary steps to remove inaccuracies – Don’t let your credit health suffer due to inaccurate information. If you find an inaccuracy on your credit report contact the creditor associated with the account or the credit reporting agencies to correct it immediately.
Watch your debt – Keep your account balances below 50% of your available credit. For instance, if you have a credit card with a $1,000 limit, you should try to keep the balance owed below $500.
Give yourself time – Time is one of the most significant factors that can improve your credit score. Establish a long history of paying your bills on time and using credit responsibly.
You may also want to keep the oldest account on your credit report open in order to
lengthen your period of active credit use.
Avoid excessive inquiries – A large number of inquiries occurred over a short period of time may be interpreted as a sign that you are opening numerous credit accounts due to financial difficulties or overextending yourself by taking on more debt than you can easily repay.

Get your credit report and score NOW!

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PO Box 7374, Ventura, CA 93006
copyright 2008 WhatIsMyCreditScore

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	Credit Watch 3 in One Credit Report Free Credit Report & Score Find a Credit Card to apply for based on my qualifications. Selling your home? Sell it in two weeks. Free report Get FREE Refinance Quotes from Leading Lenders & Save $1000s on Your Mortgage. Bad Credit, No Credit? Need an Auto Loan??? Credit Score Your credit score is determined by scanning your credit history and running mathematical computations on the records. It is used - along with your credit report and other information from your loan application - to determine your creditworthiness and what type of interest rate you will receive. Generally, credit scores range between 300 and 850 - the higher your score, the better. Factors that are used in a credit scoring model include: Payment History The amount of credit to which you have access The amount of credit your are currently using The length of your credit history Recent requests for credit Tracking your credit score allows you to place a numerical value on changes in your credit report. 5 Quick Steps to a Better Credit Score Learn how to manage your credit score and improve your creditworthiness Think of your credit score as a picture of your credit risk. This picture reflects your risk at a specific point in time. A picture does not change; however, when you take another one, you will probably look a little different. Similarly, when your credit information changes, your score will also change to reflect the updated information. There are steps you can take to ensure that each time a new “credit picture” is taken, it shows your best side. By observing the following guidelines, you can influence your credit worthiness for the better: Be punctual- Pay all your bills on time. Late payments, collections, and bankruptcies have the greatest negative effect on your credit score. Check your credit report regularly and take the necessary steps to remove inaccuracies – Don’t let your credit health suffer due to inaccurate information. If you find an inaccuracy on your credit report contact the creditor associated with the account or the credit reporting agencies to correct it immediately. Watch your debt – Keep your account balances below 50% of your available credit. For instance, if you have a credit card with a $1,000 limit, you should try to keep the balance owed below $500. Give yourself time – Time is one of the most significant factors that can improve your credit score. Establish a long history of paying your bills on time and using credit responsibly. You may also want to keep the oldest account on your credit report open in order to lengthen your period of active credit use. Avoid excessive inquiries – A large number of inquiries occurred over a short period of time may be interpreted as a sign that you are opening numerous credit accounts due to financial difficulties or overextending yourself by taking on more debt than you can easily repay. Get your credit report and score NOW! Web site services by SurfTheWeb.com SurfTheWeb info @ WhatIsMyCreditScore.com PO Box 7374, Ventura, CA 93006 copyright 2008 WhatIsMyCreditScore