a few posts show how people don't understand how credit scores are determined. this is why i posed the linked article.
it's a short slide show that won't effect your computer in any way.

a LOT of people don't understand how credit works and how your credit rating scores are determined.

your credit score might be one of the most important things that effect you financially.
i am no expert on credit scores. but i do have a understanding on how it is determined.
i would suggest people do their own research on credit scores and how they are determined. then work on getting this score higher. if you do this you might just find more $$$ in you bank account at the end of the year.