What is a Poor Credit Rating, and How do you Get It?

A bad credit rating is when you do not pay by the due date to be recorded and stays there forever. for example. so when you want a mortgage loan approved may have problems due to unpaid phone bills are on the register and so on.


If the balance being carried over 30% of what your credit limit is, then yes, you are hurting your credit rating.

  • Something small fee each month as food or gas.
  • You must pay in full each month. No games to carry balances.
  • Never use more than 30% of your available limit.
  • Example: limit of 500. Never use more than 150 at any time.
  • Carry balances can easily destroy credit scores.
  • That's why experts say. Pay in full each month for top scores.

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