Credit Tips The sudden collapse of the sub-prime market has made managing your credit even more important than before. The credit market is going to tighten up considerably in the future and managing your credit and improving your credit is going to be key to getting the best rate on a mortgage. Credit Tips offers a blog and series of videos dedicated to helping people who might have marginal credit, improve their credit. Improving your credit isn't a magic formula but rather it's due to the fact that people often have inaccurate information on their credit report. Many late payments aren't actually late because creditors don't face a penalty for reporting inaccurate information. Frank Bruno's blog covers his complete line of videos on managing your credit. He has launched a new video on disputing items on your credit report for verified items which launched June 29, 2007. His blog on credit tips which covers his videos and offers regular credit report tips.

Frank offers a pretty wide selection of videos and he is far more knowledgable about the specifics of the credit industry. This sort of insider knowledge is very very helpful since his techniques and tips are specifically geared to take advantage of both the current law on fair credit reporting act and the practices of the credit industry. Bruno's knowledge of the credit industry is a clear advantage in his videos and his blog. Having this information can help dispute items on your credit report, improve your credit score by 123 to 200 points and more importantly get you the accurate credit you deserve. I would encourage you to try his video and read his blog to get one leg up for your next mortgage application. His videos take a specific topic in dealing with your credit report and go in depth on the matter. This means he goes into far more detail than a blog devoted to generic advice on improving your credit.

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Improve your credit score: Moniter it. This article highlights something that we highlighted in an earlier post, namely that consumers don't get or understand credit. Here's some reminders for those of you looking for the best possible mortgage you can get.

• Start paying all your bills on time. The most common—and one of the most damaging—errors you can make as a borrower is to be late with routine debt payments. Yet the average 30-something has missed 1.4 payments over the past 12 months.
  
• Keep track of your debt-to-credit-limit ratio. It's not necessarily how much money you owe in loans and credit cards. It's how much you owe versus how much lenders are willing to lend you. This may explain why 70-year-olds score the best: They tend to use the least of their credit lines.
  
• Don't open unnecessary lines of credit. The more credit cards you open, the more other lenders think you need to borrow.
  

Folks it is EASY to improve your credit. Pay your bills even if they are just the minimums and don't spend too much. If you have already screwed your credit, then learn to repair it. Bad Credit costs you money in higher interest rates Click here to learn proven methods of repairing your credit.

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