Start by doing a credit checkup — you can monitor your credit yourself by requesting a free report once a year from each of the credit bureaus through www.annualcreditreport.com but the free report won’t include your credit score, you’ll pay about $8 to get the credit bureau’s proprietary number.

The majority of credit scores don’t increase or decrease every month, largely because the person is in what is known as “steady state” or equilibrium where their patterns of credit use and payment are balanced over time.

Have you ever seen your credit score crash? Sometimes at the last minute? We’ve all been surprised by credit reports that weren’t as great as we wanted them to be. This is how to make sure your credit report is headed in the right direction, especially if your going to get a home loan mortgage in the next 30 days.

A FICO Score is a brand of credit score — FICO stands for Fair Isaac Corporation and Fair Isaac is the company that developed the software program used by the credit bureaus to compile and calculate credit scores for U.S. consumers.

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.