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Get Your Credit Rating and Learn How to Improve It

While it's good to see the information in your credit report, usually you only want to know how good your credit is. And getting your credit rating will show you just that. A credit rating is an unbiased grade of your credit that shows how close you are to the best or worst credit levels. And after you get your credit rating you'll also have an idea of how you can improve your credit if it needs it.

A credit rating or score, is the result of analyzing which factors in your credit report have the most importance in predicting how well you'll repay a debt. Each of these factors adds a different amount of points to the final score with the most important factors contributing the most points. And by knowing the relative importance of these credit report items, you'll have a better idea of which areas might need help after you get your credit rating.

If after getting your credit rating you find it could use improvement, there are steps you can take depending on which area is the weakest.

Payment Record: Your bill-paying record is the most important item in your credit report and to get a good rating you need to pay your bills on time. Any delinquent accounts should be made current with the biggest and most recent having the greatest significance.
Your Debt Level: When you get your credit rating and you have a good payment record, the next area to look at is your debt levels. If your accounts are close to your credit limits, it will lower your score. So it's best to keep credit card and other "revolving credit" type account balances low.
Length of Credit History: How long you've had credit and the average age of your accounts are both rated. To maintain a high average account age, close recent accounts first and when you open new accounts, don't open several at once.
New Accounts: In addition to lowering your average account age, if you open several new accounts at once, it looks like you may be overextending yourself. So spread out opening new accounts.
Credit Types: Most people have a mixture of types of credit, from credit cards and department store accounts to mortgage loans. So to keep your rating high, you should avoid having only one or two kinds of credit.

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