The two important basic factors you have to know is that to pay your bills in time and the available credit you use actually. To pay bill sin time set up reminder systems and all it takes is a single missed payment to trash your credit scores. Maintaining our credit use less than 30 % of the credit limits will help to get possible credit scores. Credit scores of 680 – 700 and above are usually considered to be good. Scores of 700 – 760 will usually get you better rates on big loans. Score of 760 and above are considered the best credit risks. You don’t need to carry a balance on a credit card to have good credit scores. Closing an account doesn’t make it go away. A closed account will still show up on your credit report and may be factored into the score. Even after that amount of time goes by you will need to aggressively go after the agencies to get the information off your credit.