Author: Bradley Sproson 作者：布拉德利Sproson
Article source: http://www.businessfinancearticles.com/ . 文章来源： http://www.businessfinancearticles.com/ 。 Used with author's permission. 用作者的许可。 Your credit history is important; in fact, in this day and age, only family and your time are more important than your credit history!您的信用记录是重要的;事实上，在当今这个时代，只有家人和您的时间更重要的是比你的信用历史！ The first time you established a payment commitment over a period of time for a purchase, you began your history of credit, and the credit bureau created your account.您第一次设立了一个付款承诺，经过一段时间的收购，你开始你的信用历史和信用局创建帐户。 Payments such as the electric company, a rental agreement, a cell phone, a car payment or a low-rate credit card which you also have a responsibility to repay are not reported to the credit bureaus as a part of your credit history.付款，如电力公司，租赁协议，手机，汽车付款或低利率的信用卡你也有责任偿还不向征信机构的一部分您的信用记录。 They can, nonetheless, be important in your financial history.他们可以，不过，是重要的，您的金融历史。 Payments that originate from a company where you would be paying "on time" make up the records that comprise your credit history in our Nationwide Agencies which are commonly called the Credit Bureaus.付款来自一家公司，您将支付“时间”作出的记录，包括您的信用记录在我国全国范围机构通常称为信用局。 There are three of these Bureaus that collect everyone's payment information: Equifax, Trans Union and Experion.有这三个局收集每个人的付款信息：艾，泛联盟和Experion 。 They are each separate, but they hold equal weight and all three are used for consideration in obtaining a loan.他们是每个独立的，但他们持有同等的份量和所有三个用于审议获得贷款。 Generally speaking, they all collect, hold and report the same information.一般说来，他们都收集，持有和报告相同的信息。 Obtaining the contents of your credit report (or history) is the first step in taking control of your credit history.获取的内容，您的信用报告（或历史）是第一步，同时控制你的信用历史。 Establishing Good Credit 建立良好的信誉 Whether you are a homemaker, a student, a businessman or a blue-collar worker, establishing credit is necessary because sooner or later you are going to want to purchase something "on time," whether it is a house, car, or another major purchase.无论你是一个家庭主妇，学生，商人或蓝领工人，建立信贷是必要的，因为迟早你要想买的东西“时， ”无论是房子，汽车，或另一项重大购买。 There are some simple ways to go about establishing and building your credit.也有一些简单的方法去建立和建立您的信用额度。 - Determine your current financial condition.确定您当前的财务状况。 Where do you stand with all of your payments right now?如果你站在您的所有款项的权利呢？ Banks and other lending agencies WANT to lend money to qualified consumers and businesses as much as you want to borrow from them!银行和其他贷款机构想以借钱给合格的消费者和企业多达要借用他们！ Interest is a major source of their profits.兴趣是一个主要来源，他们的利润。 Most people could not afford "big ticket" items without having access to credit.大多数人买不起“大票”的项目，而无需获得信贷的机会。 It is important to begin establishing good credit as early as possible.重要的是要首先建立良好的信用尽早。
- Keep a close watch on your checking account.密切注视你的支票帐户。 If you don't have a checking account, open one now and get a debit card.如果你没有一个支票帐户，打开一个现在并取得借记卡。 This will not add to your credit report, but it will show that you can handle money and do so responsibly.这不会添加到您的信用报告，但它会显示，您可以处理金钱和负责任地这样做。
- Private corporations often times have their own system of credit scoring within their company.民营企业往往都有自己的系统的信用评分在其公司。 That is why it is so important to keep your all your monthly expenses up to date with at least the minimum payment due.这就是为什么如此重要保持您所有的每月开支最新的最低到期。 This establishes your credit in a positive way.此规定从您的信用卡以积极的方式。 If a creditor sees too many late payments or skipped payments, you might not get the credit you desire.如果债权人看到太多迟缴或跳过付款，您也许就无法获得信贷你的愿望。
- A savings account would also be beneficial in providing a record.储蓄帐户也将有利于提供了一个纪录。 Saving money is a good habit to get into and it would help in case you need a small down payment for your purchase.存钱是一个很好的习惯进入，它将帮助的情况下你需要一个小首期付款为您的购买。 By having a reputable bank account, paying all your living expenses, such as, electric, telephone, rent, cell phones, cable, etc., on time, including the "time" payments that are part of your credit history, you are well on your way to establishing a good credit history.有一个有信誉的银行帐户，支付所有的生活费用，如电力，电话，房租，电话，有线电视等，及时，包括“时间”付款的一部分，您的信用记录，你您的方式建立良好的信用记录。
Banks or other lending agencies consult your credit history to obtain information on how responsible you've been repaying past loans.银行或其他借贷机构协商，您的信用记录以获取有关如何应对你已经偿还过去的贷款。 They consult one or all three of the Credit Bureaus here in the US and, in recent years, they mainly look at the credit score that each bureau accumulates on your report.他们征询一个或所有三个信用局在美国，并在最近几年，他们主要是看信用评分，每局累积在您的报告。 Paying all your bills on time, and managing your money well goes a long way toward developing the skills necessary to manage credit well.交费所有的帐单时间，和管理你的钱也不用了漫长的道路对发展所需的技能以及信贷管理。 Credit Scores 信用分数 Creditors, mortgage companies, and others considering you for possible credit will combine all three scores and average the three to get your final score.债权人，联邦住房贷款抵押公司和其他考虑你的信用将结合所有三个分数和平均三个让您的最后得分。 This number will tell them in a glance if you are a good loan-risk.这一数字将告诉他们一眼如果你是一个很好的贷款风险。 Then, depending on the creditor, they can look at your report more closely to get any further information.然后，根据债权人，他们可以看到您的报告更紧密地得到任何进一步的信息。 Typically, a score of 550 - 600 is average; 600 - 700 is good; and above 720 is excellent.通常情况下，得分为550 -6 00的平均水平; 6 00- 70 0是好的;及以上的7 2 0非常出色。 If you scored 880 - congratulations - you have just won the credit lottery!!如果你得到880 -祝贺-你刚才获得的信贷彩票！ Keep in mind, none of these criteria are written in stone.请记住，所有这些标准是一成不变的。 As mentioned above, by cleaning up any errors, and making your monthly payments on time, you can correct and clear up a sagging report in a matter of months.如上所述，清理任何错误，使您的每月付款时间，你可以正确的和明确了一个疲软的报告在几个月内。 It requires some work, but it's not that hard.它需要一些工作，但它并不难。 Just remember, if you over-expend each month and "juggle" your bills, it becomes a part of your report and a company will notice this pattern.只要记住，如果你过每月花费和“变戏法”你的账单，它就会变成你的一部分，报告和公司将通知这一模式。 It is very important to be consistent in your on-time payment of all your obligations.这是非常重要的是您的一贯按时支付所有的义务。 Students and Housewives 学生和主妇 If you are just beginning to establish credit and taking responsibility for your credit report - WELCOME!如果您是刚刚开始建立信用和承担责任的信用报告-欢迎！ You are in a good position.你是一个好位置。 It's time for you to start your history, and start it right.现在是时候为您启动您的历史，开始是正确的。 Having no payment history at all does not work against you - but it does not work FOR you either.在没有付款历史上所有没有对你的工作-但它不为你工作的。 You need some sort of record of payments to be established on your credit reports from the Credit Bureaus, since this is where the financial world goes to see if you are a stable and responsible consumer.你需要某种形式的记录，付款要建立您的信用报告，征信机构，因为这是在金融世界去看看您是否是一个稳定的和负责任的消费者。 To begin building credit, apply for and get one or two credit cards from a gasoline company or a department store with a low credit line.开始建立信用，申请并获得一个或两个信用卡从汽油公司或百货公司，低信用额度。 Whenever the card is used, pay it off immediately - that month!凡使用信用卡，支付立即-这一个月！ This way you will not be paying any interest fees on your purchases, which saves you money.这样，您将不会支付任何利息费用在您的购买，这可以节省您的钱。 This also helps you to establish good credit.这也有助于你建立良好的信誉。 In no time at all you will have a pattern of consistent repayments on paper.在任何时候你都将有一个一致的模式还款在纸面上。 Credit Cards are NOT the Enemy 信用卡并不是敌 Contrary to what some people believe, credit cards are not the enemy in establishing your credit!相反，有些人认为，信用卡不是敌人，建立您的信用！ You simply need to pay them off in the 30-day grace period.您只需向他们支付了在30天的宽限期。 A car or truck, anything sold on a rent-to-own basis, appliances, trips, credit cards, and mortgages are all on your credit report.汽车或卡车，任何出售的租金到自己的基础上，家电，旅游，信用卡，抵押贷款都在您的信用报告。 If you have credit cards and don't pay the balance in full every month, interest is accumulated.如果您有信用卡和不支付余额全部每个月感兴趣的是积累。 If you pay your payment late, there are late fees added as well.如果您支付您的款项晚，有滞纳金以及增加。 Then the balance due escalates into a higher balance and begins a vicious cycle.然后适当的平衡升级为更高的平衡，并开始一个恶性循环。 If you have experienced this terrible cycle, you will know from experience - if you don't pay your credit card balances off each month, the balance accumulates and if you pay your payments late, these show under 30, 60, 90 days in your history both on the account and in your credit records.如果你经历过这种可怕的循环，你会从经验中知道-如果你不支付您的信用卡余额关闭每月积累的平衡，如果您支付您的款项晚了，这说明3 0岁以下， 6 0岁， 9 0天在您的历史上的帐户，并在您的信用记录。 Plan to pay them off monthly.计划向他们支付了每月。 If you can't do this - Get out quickly!如果你不能做到这一点-滚出去吧！ Cut up your cards and reduce your spending habits.剪下您的贺卡和降低您的消费习惯。 No one wants the possibility of a bankruptcy on your credit report if you can help it!没有人想的可能性破产您的信用报告，如果你可以帮助它！ If you let your credit cards go into delinquency, they are working against you on establishing viable credit.如果您让您的信用卡进入青少年犯罪，他们正在对你的建立可行的信贷。 It's better to practice some patience and wait until you have the cash to purchase that item that you desire than to end up in financial stress.这是更好地实践一些耐心和等待你的现金购买该项目，你的愿望，而不是最终的财政压力。 Remember don't let yourself get out of control with your spending - It's easy to do!请记住不要让自己失去控制你的支出-这是很容易做到的！ Focus on paying your bills on time.侧重于支付帐单的时间。 All your payments work together to create your credit profile or credit history.您的所有款项共同努力，创造您的信用档案或信用记录。 The important thing to remember is to pay your balances on time, and always pay at least the minimum due to keep up to date.最重要的是记住您的余额支付时间，并始终支付最低由于跟上。 Restoring Credit 恢复信用 What we have been talking about is the way to take control of your credit history.我们一直在谈论的方式来控制您的信用记录。 You can't be in control of your finances if you are not aware of your history and your patterns of spending.您不能在控制自己的财政如果你不知道你和你的历史模式的支出。 If you have found yourself in the position of restoring your credit to a more positive place - don't despair.如果您发现自己的立场，恢复您的信用卡，以更加积极的地方-请不要失望。 It's not as difficult as you may be thinking, but it will take some restraint in your buying habits and developing a budget that will work for you and your family.这不是一样困难你可能会考虑，但它需要一定的克制，在您的购买习惯和发展中国家的预算工作，将你和你的家人。 The author: Bradley Sproson作者：布拉德利Sproson You can also view more consumer debt related articles on Debt Elimination , Credit History , Debt Consolidation and Filing Bankruptcy by visiting http://www.4-debt-elimination.com您还可以查看更多的消费者债务有关条款对消除债务 ，信用历史 ，债务合并和破产访问http://www.4-debt-elimination.com
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