Credit Report Gives the Impression

Remember first impression is the last impression. Each time a potential lender or insurer checks, a "hard inquiry" is recorded in your file.

1. Don’t unfeasibly late in making your bill payments as late payments can have brutal consequences, particularly any recent tardy slips. So don't skip any bills -- certainly not your rent or your mortgage payment.

2. Keep your debts to 35% or less of your credit limits. Red flags start waving when your debt-to-available-credit ratio exceeds 50%. Living within your means counts for a whopping 30% of your score.

3. Control on your spending and try to build credit history.

4. Take great care when opening and closing accounts as lots of shiny new credit, lenders tighten their purse strings and fire a few warning shots at your credit score.

5. Highest credit scores tell about the past credit history