http://themoneyrepairman.com/credit-rating-2 Fix Your credit and get out of debt Sat, 17 Apr 2010 22:33:23 +0000 http://wordpress.org/?v=2.9.2 hourly 1 http://themoneyrepairman.com/credit-rating-2/comment-page-1#comment-124 TaxGurl Sat, 20 Mar 2010 03:18:49 +0000 http://themoneyrepairman.com/credit-rating-2#comment-124 There are a number of factors which make up your credit score. Timeliness of payments, debt to income ratio, and length of credit. If you have only had a credit card for 3 months, then your length of credit score is probably lower than the maximum. That will rise over time as long as you have an open credit card. I think you need to have the account for 7 years before you can have the maximum score in that area. Very few people attain the maximum credit score. Just make sure you don't miss any payments. Late payments will sink your score fast! http://themoneyrepairman.com/credit-rating-2/comment-page-1#comment-125 roger v Sat, 20 Mar 2010 03:18:49 +0000 http://themoneyrepairman.com/credit-rating-2#comment-125 Umm 1500 points? Where are you located? http://themoneyrepairman.com/credit-rating-2/comment-page-1#comment-126 Jamie M Sat, 20 Mar 2010 03:18:49 +0000 http://themoneyrepairman.com/credit-rating-2#comment-126 sounds like pretty good credit to me. you won't have any troubles if you maintain that rating, but chances are you have plenty of opportunity to increase the rating as well. http://themoneyrepairman.com/credit-rating-2/comment-page-1#comment-127 Marco Sat, 20 Mar 2010 03:18:49 +0000 http://themoneyrepairman.com/credit-rating-2#comment-127 WHAT IS 1500 POINTS? TOP CREDIT RATING IS 850, I BELIEVE.YOU HAVE DECENT CREDIT IF YOU HAVE A SCORE OF 625. NOBODY KNOWS THE EXACT FORMULA FOR A CREDIT SCORE BUT THERE ARE MANY VARIABLES. IT TAKES YEARS OF PAYING YOUR CREDITORS ON TIME TO ACHIEVE A GREAT SCORE. TOO MUCH CREDIT OR DEBT CAN HURT YOUR SCORE EVEN IF U PAY THEM ON TIME. MY ADVICE IS ACQUIRE AS LITTLE DEBT AS POSSIBLE AND PAY IT ON TIME. YOUR SCORE WILL REFLECT IT!