Your credit score or FICO is very important as you are defined by this ever changing number attached to your name. It can affect your ability to get a loan, your chance of getting a job and even increase the interest rate you pay.

So, you want to improve your poor credit — everyday, thousands of Americans with poor credit are looking for the newest and slickest ways to improve their credit rating. Some settle for the unethical, some even are okay with the illegal. Which ever way you choose, the Internet seems to have answers for anyone.

Credit monitoring services will watch over your credit file with continuous around the clock tracking and notify you whenever there is a change to the credit file. These services will alert you within 24 hours of a change, usually through email, phone, or text message as you see fit.

Just because you settled with a car loan company after a car repossession, that doesn’t mean that they have to remove it from your Equifax, Experian or TransUnion reports.

Your credit score is just one of the factors your mortgage lender will use to determine whether you qualify for financing. The problem is, every lender uses different methods to determine your credit worthiness. So, in some cases, a minimum score is difficult to determine for conventional loans. In other cases, especially when loans are underwritten or insured by government organizations, there are minimum credit scores to qualify.