Having Credit Problems is the furthest thing from fun. People who find themselves mired in those problems only want to find a way to get out and they want to get out fast.

Have you ever wondered what do you have to do to have a super-high credit score? FICO has published a report on those it considers “high achievers,” or those with FICO scores of 785 or higher.

While most mortgage applicants know a good credit score is a key element for a loan approval, not everyone realizes raising your credit score by even a few points can make the difference between qualifying for a mortgage or not. In addition, if you are applying for a conventional mortgage rather than an FHA-insured home loan, you can pay a lower interest rate if you are able to boost your credit score into the next level.

Loophole to beat foreclosure by failing to pay your mortgage does not usually end up with you outright owning your home. In fact, that’s usually the exact opposite of what happens but a New Jersey man defaulted on his mortgage and ended up retaining ownership of his home, by court order.

Many credit card issuers now offer free credit scores for free every month to their customers. It might not seem like a big deal being able to track your credit score month over month but having a credit card that provides this benefit will help you keep on top of your credit.