Many people who go into deep debt promise themselves that they will never borrow again. 许多人谁进入深债务的承诺本身，他们将永远不会再次借用。 After experiencing bankruptcy, they want to avoid getting themselves into debt at any cost. 在经历破产，他们希望避免自己的债务不惜任何代价。 Credit scores are devastated through declaring bankruptcy and it is quite easy to see why no one wants to go through with it again. 信用分数是通过破坏宣布破产，它很容易看出为什么没有人希望通过与一遍。 In case you haven't heard of it, credit scores are basically the numerical way that your credit worthiness is identified for the creditors. 如果你没有听说过，信用分数基本上是数值的方式，你的信用是确定的债权人。 Your numbers will let them know what they need to know about you. 您的号码将让他们知道他们需要什么了解你。 If you don’t have a good understanding of the numbers I will clarify it for you. 如果你没有很好地理解的数字我会澄清你。

• 300 to 500 is very bad. • 300至500是非常糟糕。
• 500 to 600 is bad, but you will still be able to get a mortgage, or a very high rate auto loan with this score. • 500至600是坏的，但你仍然能够获得抵押贷款，或非常高的汽车贷款利率与此评分。
• 600 to 700 is poor but then again you can still obtain a mortgage with a reasonable down payment, or a high rate of auto loan • 600至700是穷人，但再你仍然可以取得抵押贷款以合理的首期付款，或很高的汽车贷款
• 700 to 800 is just OK • 700至800只是确定
• 800 plus is good • 800加好

Having knowledge of this, you will then know that credit scores aren’t just used for the use of borrowing. 经了解这一点，你就会知道，信用分数不仅是用于使用借款。 These numbers will affect for sure just about every aspect of your future financial life. 这些数字将影响到刚刚确定的每一个方面的未来财务生活。 Below are a few examples of the types of companies that use them in order to decide whether to do business with you and further to that, they will also set up your payment rates: 下面是几个例子类型的公司，利用它们，以便决定是否要与你的业务，并进一步指出，他们还将建立您的付款率：

• Employers •雇主

• Auto, Life, and Health Insurance •自动，生活和健康保险

• Apartment Rental •公寓出租

• Bank Accounts •银行帐户

• Utility companies are also trying •公用事业公司也试图

So even if you don’t want your life to be determined by your credit, you will really need to use a mortgage in order to rebuild your credit scores. 所以，即使你不喜欢你的生活将取决于您的信用卡，你会真正需要使用抵押贷款，以重新建立您的信用分数。 A mortgage might sound ridiculous as it is a major debt but it is really a great method for you to prove your worthiness. 抵押听起来可笑的，因为它是一个重大的债务，但它确实是一个伟大的方法，你要证明你的价值。 A mortgage is the fastest, safest and easiest, overall best way to rebuild your scores. 抵押是最快的，最安全和最容易的，整体最佳途径，重建您的分数。 This is how and why: 这是如何和为什么：

• Quick – You cannot just do anything that will move your credit scores higher or faster than a mortgage. •快速-你不能做任何将您的信用分数高于或快于贷款。 This is because it is a larger debt and carries a lot of weight in your scores as a result. 这是因为它是一个较大的债务和非常有份量在您的评分结果。

• Simple – Whether you believe it or not when you get a decent mortgage, it is in fact much easier that getting a decent credit card or car loan. •简单-不管你相信还是不当你体面的抵押贷款，它实际上是要容易得多，让一个体面的信用卡或汽车贷款。 Pre-approval is a great method for you to go about it, as long as your bankruptcy hasn’t been filed sooner than 6 months ago. 预先核准是一个伟大的方法，你去了，只要你的破产并没有提出早于6个月前。

• Safe - You might already be paying rent for your house or apartment, so why not pay to own them? •保险箱-您可能已经支付的租金为您的住宅或公寓，为什么不支付给自己的呢？ It is a debt that you will have to pay in the long run anyway, so why not make it work to your advantage? 这是一个债务，你将必须支付从长远来看，无论如何，为什么不能让您的工作优势？

• Makes sense - Mortgage lenders are considered by your credit scores as the same as a bank loan. •有道理-抵押贷款被认为是你的信用分数是一样的银行贷款。 They are not third rate lenders like the credit card, auto loans, personal loans that are always there for you. 他们不会第三次加贷款等信用卡，汽车贷款，个人贷款，总是有你。 Third Rate Lenders have a negative effect on scores, but mortgages are looked at as a real asset. 第三次利率贷款产生负面影响分数，但抵押贷款看作是一个真正的资产。 So getting one is an absolutely sure way to make your score improve. 因此，有一个是绝对肯定的方法，使您评分改善。

Get out of bankruptcy fast with our effective tips! 走出破产的快与我们的有效提示！ click to the next page: Mortgage Options 2 点击下一页： 第2按揭选择