Your credit score is a fluid number, and it
changes as the elements in your credit report changes.

Increasing your score in just a few points will make a big difference in the interest rate you will pay for a purchase.

If your credit score is high enough, you'll
have no problem qualifying for a lenders best rate. A credit score between 700 and 800
is high enough, and could get you qualified for the lowest interest rate possible.

In order to build a good credit score you must have a history of paying your bills on time, within payment terms. Minimal collection claims for unpaid obligations, and maintaining a good credit references with positive payment history.

Also keep a small number of credit inquires, 6 or less per year. Don't forget to keep your promises when you make payment arrangements.

Remember profitable performance and resulting positive cash flow is the key to repaying debt.