Author: Jakob Jelling 作者：雅各布耶林
Article source: http://www.hotlib.com/ . 文章来源： http://www.hotlib.com/ 。 Used with author's permission. 用作者的许可。 There will come a day when you need credit.有一天当您需要信用。 You may want to buy a home or a car and your credit rating will become very important to help make these dreams come true.您可能想要购买家用或车和你的信用评级将成为非常重要的帮助使这些梦想成真。 One of the first things you will need to learn is the basic principle of money management, especially the ability to repay your creditors on time within the 30-day grace period they establish for you.其中的第一件事，您需要了解的基本原则，资金管理，特别是还款能力的债权人的时间内30天的宽限期，他们建立适合您。 Most people secure credit cards as the first way to establish credit in High School or College.大多数人的安全信用卡作为第一个以建立信用高中或大学。 Upon getting the credit card, usually a low spending limit, the ability to repay the card in an orderly fashion will help you establish a positive credit rating with the major repositories.一旦得到信用卡，通常是一个低消费上限，有能力偿还信用卡有秩序地将帮助您建立一个积极的信用评级的主要储存库。 How your score is recorded您如何评分记录 Upon making your monthly payments to the Credit Card Company or bank, your information is electronically transmitted to a credit-reporting agency.经让您每月支付给信用卡公司或银行，您的信息是电子传送到信用报告机构。 Trans Union, Equifax and Experian are the three major credit agencies.跨联盟， Equifax和Experian的是三大信用机构。 Once you have made your payments consistently your rating will rise accordingly.一旦你取得了您的付款一贯您的评级将相应上升。 Once your rating has hit 650 or better, your mailbox will become flooded with attractive offers for credit cards and loans.一旦你的等级已经触及650或更好，您的信箱将成为有吸引力的洪水提供信用卡和贷款。 People will want to give you the world because you can pay your bills in a timely manner.人们会想给你的世界，因为你可以支付帐单及时。 What else is affected with the credit rating?什么是受与信用评级？ You may be surprised but if you do not act financially responsible, it can prevent you from getting a job, renting an apartment or even opening a bank account.您可能会感到惊讶，但如果你不采取财政负责，它可以防止您找工作，租房，甚至打开一个银行帐户。 The fact of the matter is that your credit rating is very important in today's society.事实是，你的信用评级是非常重要的当今社会。 Your ability to keep it up to date by monitoring it is crucial.你有能力保持最新的监测是非常重要的。 Once a year you can pull a free credit report from each agency.每年一次可以拉一个免费的信用报告的每个机构。 Check the report for accuracy, should it be reporting errors contact them immediately to resolve the issue.检查报告的准确性，应当报告错误立即与他们联系来解决问题。 Some people might think a simple phone call can fix everything.有些人可能会认为一个简单的电话就可以解决一切。 That couldn't be farther from the truth, repairing damaged credit takes time and only you can do it.不能远离真理，修复损坏的信贷需要时间，只有你能做到这一点。 Once you file a claim, stick with it and make sure it gets resolved.一旦你提出索赔要求，坚持下去，并确保它得到解决。 Once a correction has been made you will receive notification or an amended report from the agency showing the change.一旦校正了你会收到通知或经修订的报告显示该机构的变化。 Your credit report has much more at stake for you in the present and in the future, watch it closely.您的信用报告更关系到你在当前和今后，密切关注它。 About The Author作者简介 Jakob Jelling is the founder of http://www.cashbazar.com .雅各布是耶林的创始人http://www.cashbazar.com 。 Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.访问他的网站获取最新的个人金融，债务取消，预算编制，信用卡和房地产。
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