|I could not decide whether to have this page named cleaning up your bad credit or keeping good credit to make sure you dont have to fix bad credit. They both seem to help out in the same ways if you know what to do once you have bad credit then you will stick to your credit guns and not get bad credit.
TIP #1 Order a copy of your credit report at least once a year from each of the three credit reporting companies to stay on top of changes to your credit profile and to check for identity theft.
TIP #2 Search for a Credit Card to help you build a credit rating
Since your credit score will affect whether you can get loans and the rates you’ll pay on your loans, dictate your insurance rates and sometimes your eligibility to rent an apartment it is good to keep your credit report record polished and clean. Here are a few tips for a clean credit report:
Also remember to keep your debts reasonable. Financial experts say that, as a rule, nonmortgage debt payments should not exceed 10 percent to 15 percent of your take-home pay each month.