Good Credit = Organization + Good Habits + Time

Lenders are now telling home loan applicants: Pay down your debt and improve your credit score. Refinancing is getting more difficult. Getting a mortgage now is a lot harder than it was just a month ago. That includes borrowers with marginal credit who will have to come up with larger down payments and cash-strapped borrowers who are trying to refinance their adjustable-rate mortgages.
"The source of the trouble is the same part of the mortgage industry that helped drive the biggest housing boom in history over the past five years, a corner of the market called "subprime lending" that offered financing to those who otherwise couldn't get a home loan," according to a very telling story in The Star Tribune.
Read the whole article at The Star Tribune
Our message here for more than a year is for people to protect themselves, to pay down personal and business debt, and work hard to improve their credit report.
Fixing your credit report is simple when you follow our free tips at FindHow2.com. There, we've assembled some of the best reports and articles on how to proceed and get your finances in order.
It will pay big dividends to follow our authors' free advice and shape up your spending and saving habits. In summary, the best plan of action to get a better credit score is this: Good Credit = Organization + Good Habits + Time. Organize your bills and your debt obligations. Practice paying your bills on time, all the time. And by doing this regularly, time will come to your aid and help improve your credit.
Try it. You'll be happily surprised at how well these simple free tips work!