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    get the best rates on just about any type of lending. Despite what you may think, it is possible to obtain a score in the 800 range
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    By now, most consumers with even a minimal history of credit are aware that something known as a credit score has a tremendous amount of influence on his or her financial lives. The score, a distillation of one's credit history reduced to a three-digit number between 350 and 850, represents to the world the overall credit worthiness of the individual that it represents.

    A score towards the lower end of the scale means that you are a poor risk for a credit card or a loan, while a score at the upper end means that you can get the best rates on just about any type of lending. Despite what you may think, it is possible to obtain a score in the 800 range.

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    of influence on his or her financial lives. The score, a distillation of one's credit history reduced to a three-digit number between 350 and 850, represents to the world the overall credit worthiness of the individual that it represents.

    A score towards the lower end of the scale means that you are a poor risk for a credit card or a loan, while a score at the upper end means that you can get the best rates on just about any type of lending. Despite what you may think, it is possible to obtain a score in the 800 range

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    en 350 and 850, represents to the world the overall credit worthiness of the individual that it represents.

    A score towards the lower end of the scale means that you are a poor risk for a credit card or a loan, while a score at the upper end means that you can get the best rates on just about any type of lending. Despite what you may think, it is possible to obtain a score in the 800 range

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    lower end of the scale means that you are a poor risk for a credit card or a loan, while a score at the upper end means that you can get the best rates on just about any type of lending. Despite what you may think, it is possible to obtain a score in the 800 range
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    get the best rates on just about any type of lending. Despite what you may think, it is possible to obtain a score in the 800 range. All it takes is time and some discipline.

    Here are some tips that will help you achieve a top credit score:

  • Don't have too many credit cards. It's possible to have too few, and it's possible to have too many. Too few cards means not enough credit, and too many means that you can potentially get into too much debt. Four or so is probably just about right.
  • No late payments for the last seven years. Creditors understandably don't like late payments, and they stick around on your credit report

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