You have EXCELLENT credit if you...

»  Pay all of your bills on time, all of the time
»  Have not made a late payment on your mortgage in the past two years (if applicable)
»  Have had no late payments on your credit cards, auto or consumer loans in the past year
»  Have had one or no late payments reported to a credit bureau in the past seven years
»  Do not have a large dollar amount of unsecured credit lines open
»  Have not been reported to a collection agency in the past ten years
»  Have had no bankruptcies, liens or judgments within the past seven years