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The actual title of the seminar has slipped my mind however my opinion of the seminar is It was very informative According to the spokesperson everyone should obtain a copy of their credit report at least once a year He also stated depending upon the state eg Florida in which you live there is a requirement that each of the credit bureau eg Equifax Experian Trans Union provide each citizen with one free copy of their credit report once in a calendar year This free copy is not mail automatically each citizen must request it To find out more contact the individual credit report agencies The spokesman went over varies dos and do nots that would affect your credit One of the dos that he mentioned was if you have any type of credit cards or dept that affects your credit get in the habit of paying them on time One of the do nots was do not obtain multiple credit cards such as a master andor visa card and then the smaller department stores too Normally the smaller department stores accept mastervisa cards He also said the smaller department store credit cards usually have a higher interest rate than those of a major credit card The gentleman provided informative and helpful hints in maintaining ones credit I truly believe if followed a good credit ratingscore will be gained What is a credit ratingscore According to the spokesman your credit ratingscore shows credit grantors how dependable you are in paying you depts The ratescore range from zero to 700 or higher 0 indicating the lowest- no creditextremely unreliablevery high-risk etc Activity how well you pay-late and whenon timelate from credit grantors and others souces such as court judgements affects your credit score If you pay your deptors on time and maintain the number of inquires the number of times you request credit to be granted the higher your score will be Needless to
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