Here are some of the things you may wanna know:

Tips for Improving Your Score

• Monitor your credit report and dispute errors. Errors in your report will usually translate into a low score.
• Pay your bills on time even if it means you can only pay the minimum amount due.
• Low balances are a positive factor in scoring models. Don't use all your available credit.
• New credit applications can detract from your score. Even an application for a department store card can lower your score. Multiple applications can have a devastating effect on your score, especially around the time you are shopping for major purchases like a car loan or mortgage.
• Old accounts (even those you haven't used for a long time) can help your score. Scoring models look at not just how to use credit today but also how long you have used credit.
• Consolidating balances or moving debt around may make for one easy payment, but this can have an adverse effect on your score. Shuffling of balances could be especially harmful to your score if you close established accounts and open new accounts to consolidate your debt.
• Ask your lender what scoring model it uses. With new scoring models like the credit bureaus' VantageScore, it is easy to get confused. A number score alone will not tell you where you stand.
• Know the going interest rates. Current rates for mortgages, car loans, and other consumer credit are published in daily newspapers or can be found online at such sites as www.bankrate.com. If you have a good credit score but are not offered a good interest rate, ask questions, negotiate, or shop elsewhere.

以下是引用snowbirdskier在2006-8-16 13:08:00的发言：

以下是引用YoYo78在2006-8-16 10:32:00的发言：

听说去查信用记录也会降低分的！！！

银行，公司什么的查纪录会影响分数，个人花钱查自己的不影响。

 

是, 自己查询不会影响的,

其他公司查询如果特别多, 会影响一些分数, 但是过段时间就回来了.

Do Credit Report Inquiries Lower Your Score?

Your credit report includes more than your record of paying bills. One section of the report lists inquiries. These are records showing who has accessed your credit report. There are various purposes allowed for companies to look at your credit report.

The only credit report inquires that can lower your credit score are applications for new credit.

以下是引用hhmouse在2006-8-16 15:08:00的发言：

以下是引用snowbirdskier在2006-8-16 13:08:00的发言：

以下是引用YoYo78在2006-8-16 10:32:00的发言：

听说去查信用记录也会降低分的！！！

银行，公司什么的查纪录会影响分数，个人花钱查自己的不影响。

 

是, 自己查询不会影响的,

其他公司查询如果特别多, 会影响一些分数, 但是过段时间就回来了.

这个要两年才能彻底没了。

The only credit report inquires that can lower your credit score are applications for new credit.

不只是申请新贷款，比如申请个公寓什么的，人家要查你的信用，这也是硬的。

[此贴子已经被作者于2006-8-16 15:12:20编辑过]

以下是引用snowbirdskier在2006-8-16 15:10:00的发言：

以下是引用hhmouse在2006-8-16 15:08:00的发言：

以下是引用snowbirdskier在2006-8-16 13:08:00的发言：

以下是引用YoYo78在2006-8-16 10:32:00的发言：

听说去查信用记录也会降低分的！！！

银行，公司什么的查纪录会影响分数，个人花钱查自己的不影响。

 

是, 自己查询不会影响的,

其他公司查询如果特别多, 会影响一些分数, 但是过段时间就回来了.

这个要两年才能彻底没了。

 

可以先用LD的CREDIT贷款, 等过两年自己的分数回来了, 再用.

如果你去年买了车，贷过款，如果按时付，付个半年，一般你的分数就会有显著提高的。