How to keep a perfect credit score

Mr. Goodcredit is relaxed, happy, and credit savvy. He preserves the highest credit score and gets the most desirable lending terms from any creditors. How is he doing it? What is the secret behind a good credit score? Let’s see what Mr. Goodcredit does:

Mr. Goodcredit has three or four revolving credit cards, each with almost $10,000 or more lines of credit and very low carried balances on approximately two of them at a time.

He also has American Express, Diners Club, etc or any card that offers travel and entertainment charge card.

All the types of credit on his report are at least six months old, and at least one is more than two-three years old.

He has no negative items listed on his credit report

He has not more than 1-3 inquiries in a six-month period.

Finally, Mr. Goodcredit keeps at least one installment tradeline in good standing, i.e. mortgage, auto loan, etc.

There you have it!! Mr. Goodcredit will be a very happy and prosperous man.