by Criss Vita
Good credit rating is vital for everyone. Not only it affects your prospects of getting a good rate on mortgage or auto loan, it also touches smaller things in your everyday life. For example, good credit score is important if you want to get a good deal on monthly cell phone packages, get a good job or start a business. It's very easy to damage a credit score - miss a bill payment or forget to register your new address and suddenly the score goes down. Many organisations want you to...