How You Can Build Up Your Credit Rating
By Ray White

Back in the late 1950's, a company named Fair Isaac came up with a way to assign a number to consumers that would reflect their credit worthiness which we know today as the credit rating. It is a three digit number that tells prospective lenders if you are a good credit risk or a bad credit risk. Your credit rating makes the difference between whether or not you can get a line of credit or a loan.

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