Any balance on a person's charge card will slightly lower the credit rating until its paid off even if its paid off on time,a credit check will lower the rating slightly.The number of charge cards a person holds has an effect on credit rating.Utility bills that are paid late will also lower the rating.The wife has a fixation on her and my credit rating even though we don't plan on borrowing any money.We do charge most everything we buy from retail outlets because we get between 1% and 5% back on all purchases with our master card.We get %5 back on fuel we buy which over a year adds up pretty good they send a check in February.
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Today's Featured Article - Usin Your Implements: Bucket Loader - by Curtis Von Fange. Introduction: Dad was raised during the depression years of the thirties. As a kid he worked part time on a farm in Kansas doing many of the manual chores. Some of the more successful farmers of that day had a new time saving device called a tractor. It increased the farm productivity and, in general, made life easier because more work could be done with this 'mechanical beast'. My dad dreamed that some day he would have his own tractor with every implement he could get. When he rea
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