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In an age in which the costs of almost everything continue to rise, more and more people find themselves with debt and

needing to borrow money. Perhaps you're borrowing money for your dream home, remodeling your old home or just need a new

vehicle. Whatever the need is for asking a lender for money, much of your options are dependent on whether or not you have a

good credit score. When I was younger, I had not a clue what a credit score was or meant. My parents were always telling me

to make sure my bills are paid on time and that I never get myself in over my head when it comes to finances. I did always

pay my bills on time but still was clueless. It wasn't until I was 24 years old and looking to buy my first house, a condo,

that I realized exactly what it meant to have a good credit score.

Suddenly, I was applying for a mortgage and lenders were spouting off number to me in regards to my credit score. Because I

was still fairly young and didn't have a long credit history, but had a good credit score, I was able to get a better

interest rate than someone else may have. However, my interest rate wasn't as low as someone who may have had an excellent

credit score. Perhaps as my history became more established, my good credit score would turn into one that was labeled

excellent. In the meantime, my lender told me that my good credit score would end up saving me thousands of dollars than

someone who was more of a credit risk and had a higher interest rate.

If you're hoping to have a good credit score, or excellent, there are many

things that can be done to ensure that is possible. Obviously, not making late payments on any of your accounts helps to keep

your score higher. Your percentage of debt that you carry plays a significant role. While you may pay all of your creditors

on time, you may owe a very high amount. Lenders look at your debt and your income to see how much you can reasonably afford

to pay. Having a good credit score shows responsibility and commitment to your current creditors. Lenders like to see that.

Decrease your debt as much as possible before attempting to get approved for any loans. The less you owe, the better your

score may end up being. Check your credit report at least once a year. If a mistake turns up on your credit report, you can

go from having a good credit score to a lousy one within months. Correcting a mistake can be a nuisance and timely, but it

will help you in the long run.

And when your parents advise you to not make any late payments, take their word for it. They actually know what they're

talking about.

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