WHAT YOU NEED TO KNOW ABOUT CREDIT

If your credit problems are induced by debt, restoring your credit rating can be difficult. Much of your credit score is based on how much unused credit you have uncommitted. Example, if your credit card has a $2000 limit, it will improve your credit score if there is a balance of $20, leaving usable credit of $1,980. If you have a balance of $1900 with a usable balance of $100, it will lower your score.