About 1% of the population has perfect credit, meaning a FICO score of 850 on Fair Isaac's scale of 300 to 850. How they earned those gold stars is no secret. A quick peek into their credit files reveals fake oakley sunglasses that these star pupils haven't got any fancy tricks up their sleeves. Instead, they share such ho hum traits as:

Between four and six revolving accounts (meaning credit cards).

Three major credit reporting agencies are keeping tabs on your financial cheap oakleys comings and goings, and so should you. (You get one freebie from each bureau once a year.)

0:52: Fix the typos

Given that your credit record spans nearly a decade of your borrowing activity, it's no surprise that errors sometimes turn up. Some common credit replica oakley sunglasses reporting blunders include out of date addresses, closed accounts being shown as open, and outright false information.

0:40: Mend your uncreditworthy ways, replica cheap oakleys ASAP

Those self inflicted credit wounds (like a history of late payments, defaults, and generally bad behavior think back to your freshman year in college) will fade from your record over time. (You cannot wipe out accurate information from your credit report. Nor can any firms who offer to do so for a fee.) Since your most recent behavior carries more weight than old news, vow that from this day forward you will be a financial replica oakleys Goody Two shoes.

0:25: Memorize the mantra: It's plastic, not cash

A credit card is just that a credit card. Even though you've been deemed worthy by some entity (Target, Visa, The Puppy Palace) to borrow $34,538, you don't buy fake oakley sunglasses actually have $34,538 to spend, which leads naturally to the next rule .

0:19: Ignore bankers' rules on what is an "acceptable" level of debt

Your debt to income ratio is the measure of how much debt you carry to how much money (after taxes) you have coming in. In the world of lending, it is acceptable to carry 25% of your income in debt. That ratio is pretty high in our opinion. At the very least you want to keep your debt including car loans cheap replica oakleys to 15% or less of your after tax income.

0:07: buy replica oakley sunglasses Lather, rinse and repeat

Based on what's in the Bo Derek of borrowers' files, you can see that fancy maneuvers aren't necessary to keep your credit looking spiffy. Just keep your spending under control, pay your bills on time, don't apply for extra credit too often and don't be shocked when you find yourself among those with elite credit score status.