You know your Social Security number, your ATM PIN, an access code here, a password there... But do you know the number that will cost or save you thousands of dollars & what impacts this number? 

Lenders use credit score to determine if you qualify for credit and how much interest they'll charge you. Insurance and phone companies use the scores to decide if you're a good credit risk. Even prospective bosses & landlords may turn you down based on your scores.

This one number, often times referred to as a FICO score because of the Fair Isaac Corporation that developed the the system, can impact so much in your world you should know what you can do, should do, or as important NOT do, to improve it.

You can get all 3 of your credit reports for free (1 x/year) at this site... www.annualcreditreport.com

Below Are The 5 Factors that Determine Your Credit Score Or

 

BELOW ARE 5 QUICK & EASY WAYS TO IMPROVE HOW THE FICO SCORE CACULATION VIEWS THE AMOUNT YOU OWE...THAT ACCOUNTS FOR 30% OF YOUR TOTAL SCORE