The actual title of the seminar has slipped my mind; however, my opinion of the seminar is, "It was very informative." According to the spokesperson, everyone should obtain a copy of their credit report at least once a year. He also stated, depending upon the state (e.g. Florida) in which you live, there is a requirement that each of the credit bureau (e.g. Equifax, Experian, Trans Union) provide each citizen with one free copy of their credit report once in a calendar year. This free copy is not mail automatically each citizen must request it. To find out more contact the individual credit report agencies. The spokesman went over varies do's and do not's that would affect your credit. One of the do's that he mentioned was, if you have any type of credit cards or dept that affects your credit, get in the habit of paying them on time. One of the do not's was, do not obtain multiple credit cards, such as a master and/or visa card and then the smaller department stores too. Normally, the smaller department stores accept master/visa cards. He also said, the smaller department store credit cards usually have a higher interest rate, than those of a major credit card.
            
             The gentleman provided informative and helpful hints in maintaining one's credit. I truly believe if followed a good credit rating/score will be gained. What is a credit rating/score? According to the spokesman, your credit rating/score shows credit grantors how dependable you are in paying you depts. The rate/score range from zero to 700 or higher (0 indicating the lowest- no credit/extremely unreliable/very high-risk etc.). Activity (how well you pay-late and when-on time/late) from credit grantors and others souces, such as court judgements affects your credit score. If you pay your deptors on time and maintain the number of inquires (the number of times you request credit to be granted) the higher your score will be. Needless to say, if ...