7. 7 。 Not Closing Any Accounts 不收任何账户

Even if your continually revolving debts are paid off, don’t close the account completely. 即使你不断地循环债务付清，不关闭帐户完全。 The longer an account stays open with no negative reports on it, the better it will reflect in your overall credit score. 较长一个帐户保持开放的，没有负面报道上，更好地将反映在您的整体信用评分。 This happens because the creditors weigh in the averages in the formula of the credit score. 这是因为债权人的重量平均在公式中的信用评分。 Several credit experts will advise you to maintain a balance of 30% of your credit limit. 一些信贷专家将告诉你保持平衡， 30 ％的信用额度。 Nonetheless, if you keep it at 70% you will still keep a credit score which is in good shape. 然而，如果你保持在70 ％你将仍然保持信用评分是在良好的状态。

8. 8 。 Not getting New Credit 没有获得新的信贷

You will have to stay away from getting any new credit unless it is an absolute necessity. 你将不得不远离得到任何新的贷款，除非它是绝对必要的。 Each time you apply for credit, an inquiry will be added to your report, and every inquiry that is made will drop your credit score. 每次申请信贷，调查将被添加到您的报告中，每个调查，是将减少您的信用卡评分。 When you have fresh credit, there won’t be any track record on how you will manage your credit account. 当你有新的贷款，将不会有任何纪录您将如何管理您的信用卡帐户。 Why should you risk the drop? 您为什么应该下降的风险？ You mustn’t forget that your credit score is about assessing your risks. 你绝不能忘记，您的信用评分是评估您的风险。

You should try to get credit for your housing, transportation, college or continued education and 3-5 credit cards. 你应该尝试为您的信用卡住房，交通，学院或继续教育和3-5信用卡。 That really should be all you need in any case unless you’re looking for extravagant spending. 这确实应该是你需要在任何情况下，除非你要查找的奢侈消费。 If you would like more credit, try to request an increase on your current cards rather than apply for a new one. 如果您想更多的信贷，试图要求增加您当前的卡，而不是申请一个新的。

9. 9 。 Mixing Types of Credit 混合类型的信贷

If you show to your creditors that you can handle different kinds of credit at the same time, you will be rewarded with a great credit score. 如果你表现出你的债权人，可以处理不同种类的信用卡在同一时间，您将获得一个伟大的信贷评分。 In order to do this, try to get installment loans for car, personal loan or mortgage. 为了做到这一点，试图让分期付款的汽车贷款，个人贷款或按揭贷款。 Try also to get revolving credit as well like credit cards: Visa, MasterCard, Gas cards, department stores, etc. Through mixing it up, you will be able to show that you can manage your credit because you will have short term and long term credit with a payment plan which is in place and fixed. 尝试也得到周转性信贷以及信用卡一样：维萨，万事达卡，煤气卡，百货公司等通过搅拌它，你将能够表明，您可以管理自己的信用，因为你将有短期和长期信用与支付计划，该计划是在地方和固定。
Always keep these accounts open with a balance of 70% or less and be make sure to pay them on time and you will watch your credit score fly. 始终保持开放这些帐户的结余70 ％或更少，并确保向他们支付的时间和您将看您的信用评分飞。

10. 10 。 Not Filing For Bankruptcy or Foreclosure 不申请破产保护或赎回

Here's a very obvious bit of advice: Don't file for bankruptcy or foreclosure if you can possibly avoid it. 这里有一个非常明显的一点建议是：不要申请破产或赎回，如果你能够避免。 These reports will remain on your credit report for 10 years and will constantly decrease your credit score. 这些报告将保留在您的信用报告为10年，将不断减少您的信用评分。 If you would like to rebuild your credit history quickly after a bankruptcy or foreclosure, it is recommended that you use the Round Robin strategy that was mentioned above and get secured credit cards. 如果你想重建您的信用记录后，很快破产或赎回，建议您使用轮转战略，上述并获得担保的信用卡。 Now you will be even able to get a car loan or mortgage straight away following the bankruptcy. 现在，你会更能够得到汽车贷款或抵押贷款后马上破产。

Interesting? 有趣吗？ more information on the next page, Secured Credit Cards 更多信息，在下一个页面， 担保信用卡