A few years ago my credit score hit bump in the road and fell quite a bit due to unforeseen circumstances. Well, I did SEE that, it was just as they were rushing straight for me... :)
Anyway, I have often wondered exactly what determines your fico score, and easy ways to raise it without emptying your pockets to "credit repair agencies." This article explains just that.

To Join Xomba, just follow this link:
http://www.xomba.com/referral/7778eef4