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You and Your Credit
Scores: Increase Your Score and
Keep It High_______________ 1
Table of Contents________________________________________________________
2
1. Credit Basics – What's your credit
score?___________________________________ 3
What's a credit score?__________________________________________________ 3
How credit scores are calculated__________________________________________
5
How your FICO scores are calculated_____________________________________
7
How to Get Your Credit Score___________________________________________
9
2. Why your
credit score is what it is________________________________________
10
Correcting the errors in your
credit report________________________________
12
3. Techniques to increase your
credit score___________________________________
14
Get your credit reports and
make sure that they're
accurate__________________ 14
Apply for credit cards and make
repayments_______________________________ 14
Pay your bills promptly via
online banking_________________________________
15
Apply to increase your credit
limits on your card or
cards____________________ 15
4. Repairing your credit__________________________________________________ 16
Beware the "credit repair"
scammers____________________________________
16
Rebuilding your credit after
bankruptcy – techniques
to use___________________ 17
5. Creating a budget, and
living well________________________________________
19
First: your income -- find out
what's going out, and
match it to what's coming in__ 19
Where can you save money?____________________________________________ 22
Saving to invest: let your
money make money for you_______________________
23
What's next for you?__________________________________________________ 23
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