The average consumer's oldest obligation is 13 years old. Only 1 in 20 consumers had a credit history of less than 2 years.

Credit Score Calculation : ping.fm/7ErVq

Amounts Owed Tip : Keep balances low on credit cards and other "revolving credit". High outstanding debt can affect a score.

Amounts Owed Tip :

Credit scores give lenders a fast, objective measurement of your credit risk

Don't close unused credit cards as a short-term strategy to raise your score.

Pay your bills on time. Delinquent payments and collections can have a major negative impact on your score.

Credit Scores : ping.fm/fEtxM

An introduction to eCreditAdvisor : ping.fm/pJg25

credit repair : ping.fm/qGrI8