Credit makeover is something a lot of people are doing now! Great credit requires more than paying bills on time. It only counts for 1/3 of the points, therefore 2/3 of the score comes from four other areas. The second area is debt, ie. credit cards, auto loans, etc. The third area is the older your credit report is the more points she will earn in this category. The forth is New Credit - you should only apply for credit when you really need it. Finally, the fifth category is a mix of accounts. This information is good for everyone to review every year.
Patricia Fisher
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