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Anyone with good common sense and a willingness to say no to purchases that are beyond their means can have good credit, but maintaining it is the key. To help out, we’ve put together an easy to follow credit secrets bible that should assist anyone with a desire for good credit get on the road to success.

The first tip in our credit secrets bible is making sure you know what lenders do about your information. No credit secrets bible would be complete without advice this advice. To follow this credit secrets bible tip, make sure you pull your credit at least annually to see what’s in the reports and if anything is awry. You can do this credit secrets bible must once a year without having to pay a dime, too.

Now that you know what creditors do about your history, the next tip in our credit secrets bible is to make sure you don’t overextend yourself with credit. While the credit score is only based on your history and your ability to pay back on time as agreed, the interest rate tacked on to a loan or credit card will take more into account. Therefore, this credit secrets bible advice is to make sure your credit to income ratio isn’t too high. Don’t have too much of your income tied up in obligations to ensure you get the best loan and credit offers.

The next bit of advice in our credit secrets bible is to make sure obligations are paid on time and within the bounds of the individual agreements. If you do this, you will find your credit score should be quite impressive. This can be the hard part, especially when emergencies arise, but it’s important to carry through and pay debts as they are owed, when they are owed. Although one might be inclined to get a cash advance or payday loan to pay for these expenses, it’s best to build up a savings account for any unexpected emergencies.

Lastly, this tip from our credit secrets bible is one that’s very hard for most to follow. But, alas, it’s also the best advice the credit secrets bible has to offer. Learn how to say no to debts you don’t need to incur. Every movie, every dinner out, every vacation charged is a hit against your credit if you don’t pay it off in a timely fashion. If you’re reaching your spending limits or can’t make more than your minimum payments, just say no. The credit secrets bible isn’t effective unless this measure is employed.

While you are ultimately responsible to make sure your credit report is accurate and your input to it is good, our credit secrets bible offers some very good common sense advice to help you along the way. If you follow the tips in the credit secrets bible, you should find your scores are right where you need them to be.