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Personal Finance > Managing Credit How to obtain a great credit rating: 3 of 10

Turn on the television or radio or open a newspaper and you'll be flooded with ads by companies offering to improve your credit rating by erasing the negative information on your credit report. Ignore these ads. They're scams. No magic formula for improving your credit rating exists, but you can obtain a great credit rating simply by following four easy steps. (1) Avoid filing for bankruptcy or using debt consolidation services as these severely damage your credit rating and appear on your credit report for seven to ten years. (2) Attack any outstanding debts with renewed intensity. Likely...
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