Three Credit Score Tips For Keeping Your Credit Rating High
There are three credit score reporting organizations in the United States; they are Equifax, TransUnion, and Experian. The job of these three agencies is to report on the creditworthiness of each individual person in the country, and they do so by taking inventory of your previous credit and payment histories, your income, and your income-to-debt ratio and calculating them. The resulting calculation is reported as both a credit report and a credit rating.
It is, essentially, the three credit score reporting agencies that produce the information that banks and other lenders use when deciding whether or not to offer you credit, what terms they are willing to offer you, and what your interest percentage will be. Needless to say, the three credit score companies wield a great deal of power over the average American consumer, so it is definitely in your best interest (no pun intended) to establish and maintain as high a credit score as possible with each of the three credit score reporting agencies.
How do you go about establishing a good credit rating? How do you keep it once you do get it? Although...
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