How to Improve Your Credit Rating

Your personal credit rating to a great extent determines what loans you’ll qualify for and the interest you’ll pay.

Fair Isaac Corp. (FICO) does the math behind credit scores, including those sold by consumer-reporting agencies Equifax, TransUnion and Experian. Its site http://www.myfico.com/ includes information on fixing or improving your credit rating. The most important step may be to force discipline into your credit use and to be suspicious of quick-credit-repair offers.  Check Fair Isaac Corp. to find out where you stand and how to fix your credit problems  . There are also links to guidance for disputing errors in your credit history.

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