Whats my credit score is one thing we ought to all know the answer to! Have you been discovering that loan companies have gone from virtually throwing money at people irrespective of whether they could afford to repay it or not, to not financing anyone anything at all?

There must be a happy medium but up to now the banks and credit card banks don't appear to have discovered it. Add to that the fact that the three different bureaus all calculate your score slightly in a different way and the loan companies do it another way again, you can easily observe how one can become perplexed.

So what is a good answer to the question of what's my credit score ? If at all possible you ought to be targeting the 700 to 800 level as the greater your number the simpler it will be to acquire future credit and the lower your interest rate. A 750 credit score is a good figure to target at least initially.

Most people would have had no problem scoring this a few years ago but now the goal posts have been changed. Loan providers are much more likely to analyze your file and they get nervous if they observe too many recent searches as it indicates you might have tried to receive fund from other sources. They also get jittery if your present credit agreements have not been well maintained. Late payments or debts raise big red flags.

You should look at your yearly credit rating to ensure all the details presented on file is correct. If there are errors, you can have them rectified. You may also see if you have any accounts which are still active but you thought had been closed. We quite often pay off the balance on a credit card but forget to cancel the account. Browse through all of your active accounts and get rid of the ones you don't use anymore.

Don't apply for more credit until you have your present agreements completely under your control. Try to decrease the balances outstanding. If you have made regular payments on all of your commitments, then speak to each lender to determine if they will offer you a better interest rate. The lesser the charges you are paying, the more your money will go and you will pay back debt faster.

It's also advisable to focus on repaying just one card keeping the minimum monthly obligations going on the others. You can either pick the card with the highest rate of interest and pay all extra cash into this one. This is the good option as you will lower your overall charges. But at times we may have a small balance on a card - if we get this one cleared we have scored a small success in our battle against debt that will encourage us on to big triumphs.

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