4
Keys to an Excellent Credit
File
Want to
drive a new car??
PAYLESS
then people with
PERFECT CREDIT
How To Repair Your Credit The
Easy Way
After personally reviewing
thousands upon thousands of
consumers credit files, I've
found four common factors
consumers in search of excellent
credit files must know in order
to understand the keys to
success. Below I've listed these
top four keys to success, that I
have found, to be the most
important to both the major
credit bureaus and lenders.
4)
Have three major credit
cards
Most excellent credit
consumers will have between 2-4
major credit cards with no
delinquencies. Credit bureaus
want to see that you are able to
manage revolving credit lines
responsibly and will give you a
higher score for having balances
below 35% of your credit
limit.
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3)
Have a well paid auto
loan
Auto loans carry a lot of
weight and are an excellent way
to build or rebuild credit. Be
sure to never be late, have a
loan amount over $8,000 and
finance for at least 24 months. A
repossession can have a
devastating effect on your score
and future borrowing ability, so
be sure to not get in over your
head with steep monthly
payments.
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2)
Have a well paid
mortgage
As with auto loans, a mortgage
carries a lot of weight and shows
stability. Be careful with
financing and avoid adjustable
rate financing, unless you are
very aware of what you are doing.
A slowed paid mortgage shows very
serious signs of financial
trouble and will have a major
impact on your credit score.
1)
Have a minimum 5 year credit
history
For some of you just starting
out this may seem like a long
time, but it is necessary to
prove your repayment ability and
to show the credit bureaus as
well as lenders a strong
repayment history. If you are
just starting out, there is no
time like the present to start
building your credit. Five years
from now you'll be glad you
did.
As a general rule credit
bureaus and lenders like to see
successful management of multiple
types of credit, i.e. revolving,
installment and real estate. In
addition to this they are looking
for depth, i.e. history. Always
try to negotiate the best price
for major purchases and don't get
in over your head.
Excellent credit has many
advantages and is well worth the
effort to attain, so start
building your excellent credit
file today!
Justin is the creator of
http://www.InsiderCarBuyingTips.com
He is a Car Buying, Bad Credit
Repair and Auto Loan Finance
authority. In addition to
offering the most informative car
buying tips on the Internet, he
offers, direct to consumers, the
least expensive A-(excellent) AM
Best rated
[http://InsiderCarBuyingTips.com/auto_warranty]Extended
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partnered with the #1 auto loan
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