Page 9 - How I went from 510 to 720 credit score in one year

3. You shouldn't have credit cards

because they are evil

I've been told this so many times by people who

listen to Ramsey. The man preaches you shouldn't

have credit cards because it only leads to debt. I

wonder if he knows Warren Buffet has several

credit cards... The key is to be responsible with

them. Having a credit card is one of the best ways

to increase your credit worthiness.

Removing The Negative marks

On Your Credit Report

If you have negative marks on your credit report, it

is possible to have them removed and increase your

credit rating that way. You see ads all over the

internet for credit repair, but most of these are

frauds who simply take your money and do nothing

in return.