Improve your credit score: Moniter it.

This article highlights something that we highlighted in an earlier post, namely that consumers don't get or understand credit. Here's some reminders for those of you looking for the best possible mortgage you can get.

• Start paying all your bills on time. The most common—and one of the most damaging—errors you can make as a borrower is to be late with routine debt payments. Yet the average 30-something has missed 1.4 payments over the past 12 months.
  
• Keep track of your debt-to-credit-limit ratio. It's not necessarily how much money you owe in loans and credit cards. It's how much you owe versus how much lenders are willing to lend you. This may explain why 70-year-olds score the best: They tend to use the least of their credit lines.
  
• Don't open unnecessary lines of credit. The more credit cards you open, the more other lenders think you need to borrow.
  

Folks it is EASY to improve your credit. Pay your bills even if they are just the minimums and don't spend too much. If you have already screwed your credit, then learn to repair it. Bad Credit costs you money in higher interest rates Click here to learn proven methods of repairing your credit.

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