How to Build a Better Credit Score

 By: John LeBlanc
Every day, people are asking me what they can be doing to improve their credit scores. Not just improve their scores so they look presentable for any lender or creditor who might be checking their credit report, but to achieve the perfect credit score. After all, with a perfect score, you'll likely never have to worry about your credit again, right?

So what are some of the steps those with perfect scores take to achieve the best credit? Read on…

Flawless credit report

If you want the perfect credit score, you need a completely flawless credit report. This means paying all of your bills on time, and in full. You have no major outstanding debts, no accounts in collections, no bankruptcies, or anything else that would drive your score down. You'll also have at least 2 or 3 open credit cards that you regularly use and pay on time.

Your report is diverse

You won't get to a perfect credit rating with only a small handful of credit cards in your history. Your report needs to be a celebration in diversity to achieve that prefect credit rating you so crave. If your history includes a personal loan, or a mortgage or car loan, it helps to balance your profile out and shows you can handle different types of account with no problem. Just make sure to keep paying those bills on time.

Few inquiries

Be careful when applying for new credit cards or lines of credit. Every time you do, an inquiry is placed on your credit report by the creditor to check your level of risk. Having too many inquiries like this on your report can make you look irresponsible and start to drive your score down. Keep at least 2-3 cards open and don't apply for every offer that comes with the rest of the junk mail.

Start today

No one starts with a perfect credit score; we have to work for it. That can be a lot easier said than done for others, but follow these steps to start your efforts at credit clean up, and your credit score will start looking better and better as time goes by.
Artice Source:
Article Tags: credit repair

Related Articles in Credit Score

People interested in the above article are also interested in the related articles listed below:

Your car represents your quality of life. But, when you have a bad credit score, you find it difficult to buy the car. You may have to settle down for a lower model of your dream car. But, do not feel sad. Don’t wait for the right time, fight your bad credit score now and earn your dream car.
Consumers with a low credit score fear loan denial which often prevents them from applying for a mortgage. In 2016 the fact that you have a low credit score should not stop you from meeting with a mortgage broker to discuss options available for consumers with credit scores below six hundred.
Business could never grow without pouring in more investment money or additional funds for operating expenses and buying assets. The first move for every entrepreneur running a business is to build business credit. Improve your credibility and reputation in the industry. If your company maintains a good reputation then banks, lenders, and suppliers will easily grant you credit or loans.

More in Credit Score

Excellent, Larry. Thank you for taking the new article directory technology and making it work to the max. I encourage everyone to keep contributing and contributing regularly. I can attest to the fact that this site is already a strong directory in a field of many. Kudos to Larry!

Matthew C. Keegan
The Article Writer


I find it a delight to use both as an author and a publisher. It is full of nice little surprises that make the whole process of writing, reading and publishing articles a complete delight. This is one that comes out tops and beats the rest hands down.

Eric Garner
Managing Director


I did a Google search and came across your site. It was exactly what I was looking for and was elated to find such a broad range of articles. As I am launching a free magazine in a small town in Florida, I wanted to be as resourceful as possible while still being able to provide some content that is interesting and well written. Your site has all the variables in the mix. Excellent Site hitting all the notes in the scale sort of speak.

Mo Montana
Florida, USA

Article Topics

Copyright © 2005 - by Larry Lim, Singapore - Article Search Engine Directory at™
All Rights Reserved Worldwide. All Trademarks and Servicemarks are the property of the respective owners.
ArabicBulgarianCatalanChinese (Simplified)Chinese (Traditional)CzechDanishDutchEnglishEstonianFinnishFrenchGermanGreekHaitian CreoleHebrewHindiHungarianIndonesianItalianJapaneseKoreanLatvianLithuanianNorwegianPersianPolishPortugueseRomanianRussianSlovakSlovenianSpanishSwedishThaiTurkishUkranianVietnamese