These scores control our financial aspects of our lives on a daily basis. But we as consumers can take control on what our scores truly reflect on our credit reports. Pay your bills on time, do not apply for credit unless absolutely necessary, keep your debt to ratio under 35%, never close accounts in good standing, and live within your means. It is mostly common sense that we should use but choose not to do so. It is quite simple but most people that do not, make it harder for themselves. Thank you! Neal