1. The next time you use your DEBIT CARD, run it as a CREDIT CARD. This helps to increase the amount of points in your CREDIT FILE! When the person says, "It won't go through as a Credit Card..." DON'T WORRY ABOUT THAT. Tell them to run it AGAIN. If that still does not work, then tell them to run it as a DEBIT CARD! & as always, make sure your remember to do it all the time. Eventually you will get the hang of it... 2. Do YOU have a CREDITOR (THE BANK) harassing you about money YOU OWE THEM? They will keep calling you UNTIL YOU SEND THEM A LETTER TELLING THEM TO STOP CALLING YOU. & when you send that letter out in the mail, make sure that you don't admit to owing that debt as then it goes back into the cycle and they will keep calling you up as YOU HAVE ADMITTED WRONGDOING...PLAIN & SIMPLE, RIGHT? THE TRICK IS TO SEND OUT THE LETTER IN THE MAIL TO ALL OF YOUR CREDITORS, PERIOD... 3. The Average Credit Files has errors in it. Make sure you go to your Local State Web Site & FIND THE LINK that will allow you to print & download copies of all of your Credit Files: Experian, TransUnion, Equifax & The Credit Agency for your State...There are ACTUALLY 4 CREDIT REPORTS YOU ARE SUPPOSED TO HAVE IN YOUR CREDIT FILE. MAKE SURE YOU DOWNLOAD & PRINT ALL OF THEM & THEN LOOK THROUGH YOUR CREDIT REPORT TO FIND ANY ERRORS! 4. Do you FEEL OVERWHELMED w/ having a Credit Card? Don't do what I did when I had 8 or 9 of them! Don't let them all go into RELAPSE! IT SIMPLY WON'T DO, NOR WILL IT HELP YOUR CREDIT REPORT IN THE END...Make any payment you can make EVERY MONTH! YOU WILL BE GLAD YOU DID! HAVING A CREDIT PERFECT FILE IS ACHIEVABLE BUT ONLY FOR THE LUCKY FEW. However, having a Credit Report Low End of Score 330-830 High End of Score IS NOT SOMETHING MOST OF US ENJOY BUT IT IS DONE IN THE MODERN DAY. PERIOD. The Average Credit File Score is a Variable Score that depends on the State you live in...it really DOES! The point here is that YOU ARE A BEAUTIFUL PERSON NO MATTER WHAT YOUR CREDIT SCORE REALLY IS! Some people have low scores, other people have the best score in the world as they care that much about having a Squeaky Clean Perfect Credit Report...AIM HIGH, SHOOT LOW...THE AVERAGE CREDIT SCORE IS 580...In the STATE OF MAINE MY CREDIT SCORE SHOULD BE AROUND 702 ON THE HIGH END, ON THE AVERAGE END 687 according to Experian, one of the giant Credit Scoring Agencies that keep tabs on you, etc. On the Low End My Average Credit Score should be 330...You get the IDEA...The Point I AM MAKING??? TAKE CARE, BE WELL...remember that YOUR CREDIT SCORE CAN LITERALLY LOCK YOU OUT OF THE SYSTEM & YOU WON'T LIKE THAT AT ALL...IT WILL PISS YOU OFF & MAKE YOU FEEL INFERIOR BUT DON'T LET THAT BOTHER YOU...there are worse things in life that can happen to and I don't have to mention those things at all...