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i have provided you with this article to assess my degree. WHAT IS YOUR CREDIT SCORE? What is your credit score? This is the question that many at times bankers will ask you, in order to assess your credit worthiness. It is therefore important to maintain a high profiled history of your credit account. The lower your score the less worthy you are to get a loan, or it being approved, and if approved it may be costly as you will have to repay the loan at a higher interest rate. It is therefore very vital to understand how you can improve your credit score. Bankers assess your credibility by breaking your profile into sub-sections, they will first look at your payment history, have you been up to date on your current debt? This proves your loyalty to them that actually you can be able to repay another loan if given. Payments that are due for more than 30 days will show up on your credit report, and to add salt on sore feet they will even show up for another seven years, and sure enough you don’t want to miss a loan because of ignorance. The second factor to look at is maintaining a low debt account. If you have currently borrowed a significant amount, try to lower the balance by repaying it instead of asking for more. Many would say it isn’t an easy task, but it is possible if only you stop using the credit cards and channel your mind on making timely payments. The length of your credit history is another crucial factor in improving your credit history. This is easily achieved by maintaining your old account instead of opening a new one which will actually cut loose your history and start a new one; this will make a well travelled journey to look rougher as you will have to start everything afresh. So be careful not to open new accounts because they will do great harm to your credit score. The above are simple guide lines one needs to observe in order to avoid mishaps and disappointments of loan denials, so take the steps carefully and you will never regret. with regards william

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