consider buying a home or car, refinancing or remodeling, or other
major credit purchases, get a copy of your credit report and score, or
go to one of the free credit report web sites. Credit cards are used
to buy goods, pay for services and withdraw money from ATM machines.
When you use your credit card to buy goods or pay for services, then
approval is given which depends on several factors but above all, on
fund availability in relation to your allotted credit limit. "If your
credit is not as good as you want it to be, take action now! It's
easier than you think to improve your credit. With the right mix of
good payments and debt management, you will see positive changes in
your credit report in as little as six months. Diana Dezso, credit
expert at ACCION, offers the following ""recipe"" for improving your
credit history. Like any good meal, it takes a little time and a lot
of patience, but the payoff will be worth the effort!" TAGS:
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