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1. Look out for identity theft (Credit/Credit Score Safety) Many people who are careful about paying bills on time and having minimal debts are shocked each year to find that they have low credit scores. In many cases, this happens as a result of identity theft. ... 2. Reduce your Debts (Credit/Improve Credit Score) ... than 50% of your credit. That means that if your credit card has a limit of $5000, make sure that you pay it down to at least $2500 and work at carrying no larger balance. If possible, reduce the debt ... 3. Avoid excessive credit (Credit/Improve Credit Score) If you have many lines of credit or several huge debts, you make a worse credit risk because you are close to "overextending your credit".” This simply means that you may be taking on more credit than ... 4. Pay your bills on time (Credit/Improve Credit Score) One of the best ways to improve your credit score is simply to pay your bills on time. This is absurdly simple but it works very well, because nothing shows lenders that you take debts seriously as much ... 5. Develop an action plan for dealing with your credit score (Credit/Credit Score Basics) Once you have your credit report and your credit score, you will be able to tell where you stand and where many of your problems lie. If you have a poor score, try to see in your credit report what could ... 6. Understand where credit score come from (Credit/Credit Score Basics) If you are going to improve your credit score, then logic has it that you must understand what your credit score is and how it works. Without this information, you won't be able to very effectively improve ... 7. What is a Mortgage? (Credit/Mortgages/Loans) ... Mortgage Loans will let you pay very minimal monthly payments and many times, it's interest-only payments. This type of loans do not reduce your principle. After given term, years, you must pay full amount ... 8. Dealing With Professional Credit Help (Credit/Credit Counselor) Credit repair is big business and there are many companies that will promise to help you get out of bad credit problems. There are a number of legitimate resources that can help you in improving your credit ... 9. What is Credit Score? (Credit/Credit Score) There are many misconceptions about credit scores out there. There are people who believe that they don't have a credit score and many people who think that their credit scores just don't really matter. ...