If you really want to learn how to improve your credit rating you have to know why your credit score is so bad in the first place and take action to correct the habits that have allowed it to get to this point in time. There are two groups of people who would want to improve their credit score, the first group being those who are new to credit, for example students or immigrants, however in this article we will look at the second group which are people who have severely damaged their credit rating by over extending their spending [...] Read more »