Let’s say you already have a past due on your report and you want to get the debt off your back, so you agree to pay for 75 percent of the debt.

Today having good credit reflected in your credit report is important in every financial situation you find yourself in as you probably know and knowing a few tips about credit repair can solve a lot of your credit problems. In our world credit determines just how much interest you’ll end up paying on your house, car, truck, etc.

If you haven’t started playing the FICO game yet, here are 10 little-known credit cheats that will help you get to the next credit level. There’s one score that follows you around for life — your credit score!

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.

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.