have bad credit? Here are four tips on how you can clean your credit score: Tip # 1: Save early, save often One of the best ways to ensure that their qualification good credit to save money each month. Whether you are able to save $ 25 per month or $ 200 or more, save and invest their savings prepared for emergencies of credit, you will exit the excessive spending, and allow you to build investments that can help over the years later. Tip # 2: mortgage rate impacts that affect your A couple of points on a credit score can mean the difference between a lender to offer a preferential rate best credit risks and interest rates offered worse unless major customers. This may represent only a small percentage of the loan rate rare, but can have a huge impact, especially on a major purchase. For example, a few percentage points in a long-term loan at a fixed rate can mean the difference between tens of thousands of dollars saved – or tens of thousands of dollars exceeded.