HIGHER IS BETTER! Credit scores are the most misunderstood pricing tools used by the lending industry to increase the interest rate and fees on your loans and credit cards. Increase your scores, reduce your fees. It's that simple... but it can be very tricky, and a simple, well intended goof, can return very dire, long term (many years) penalties. It's t rocket science and it doesn't have to cost you an arm and a leg... but it is counter-intuitive and what may seem like a common sense tweak often ends up damaging your scores for years. Hey, this is a high stakes table ! Improving your scores will reduce interest rates and fees on the most important loans in your life. It's pretty easy to do, but very tricky. Do it wrong and it could cost you a fortune and take years to correct! Read this and DO IT RIGHT the first time.