Many people who go into deep debt promise themselves that they will never borrow again. 許多人誰進入深債務的承諾本身，他們將永遠不會再次借用。 After experiencing bankruptcy, they want to avoid getting themselves into debt at any cost. 在經歷破產，他們希望避免自己的債務不惜任何代價。 Credit scores are devastated through declaring bankruptcy and it is quite easy to see why no one wants to go through with it again. 信用分數是通過破壞宣布破產，它很容易看出為什麼沒有人希望通過與一遍。 In case you haven't heard of it, credit scores are basically the numerical way that your credit worthiness is identified for the creditors. 如果你沒有聽說過，信用分數基本上是數值的方式，你的信用是確定的債權人。 Your numbers will let them know what they need to know about you. 您的號碼將讓他們知道他們需要什麼了解你。 If you don’t have a good understanding of the numbers I will clarify it for you. 如果你沒有很好地理解的數字我會澄清你。

• 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是壞的，但你仍然能夠獲得抵押貸款，或非常高的汽車貸款利率與此評分。
• 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是窮人，但再你仍然可以取得抵押貸款以合理的首期付款，或很高的汽車貸款
• 700 to 800 is just OK • 700至800只是確定
• 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. 經了解這一點，你就會知道，信用分數不僅是用於使用借款。 These numbers will affect for sure just about every aspect of your future financial life. 這些數字將影響到剛剛確定的每一個方面的未來財務生活。 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: 下面是幾個例子類型的公司，利用它們，以便決定是否要與你的業務，並進一步指出，他們還將建立您的付款率：

• Employers •雇主

• Auto, Life, and Health Insurance •自動，生活和健康保險

• Apartment Rental •公寓出租

• Bank Accounts •銀行帳戶

• Utility companies are also trying •公用事業公司也試圖

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，即使你不喜歡你的生活將取決於您的信用卡，你會真正需要使用抵押貸款，以重新建立您的信用分數。 A mortgage might sound ridiculous as it is a major debt but it is really a great method for you to prove your worthiness. 抵押聽起來可笑的，因為它是一個重大的債務，但它確實是一個偉大的方法，你要證明你的價值。 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，整體最佳途徑，重建您的分數。 This is how and why: 這是如何和為什麼：

• Quick – You cannot just do anything that will move your credit scores higher or faster than a mortgage. •快速-你不能做任何將您的信用分數高於或快於貸款。 This is because it is a larger debt and carries a lot of weight in your scores as a result. 這是因為它是一個較大的債務和非常有份量在您的評分結果。

• 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. •簡單-不管你相信還是不當你體面的抵押貸款，它實際上是要容易得多，讓一個體面的信用卡或汽車貸款。 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. 預先核准是一個偉大的方法，你去了，只要你的破產並沒有提出早於6個月前。

• Safe - You might already be paying rent for your house or apartment, so why not pay to own them? •保險箱-您可能已經支付的租金為您的住宅或公寓，為什麼不支付給自己的呢？ It is a debt that you will have to pay in the long run anyway, so why not make it work to your advantage? 這是一個債務，你將必須支付從長遠來看，無論如何，為什麼不能讓您的工作優勢？

• Makes sense - Mortgage lenders are considered by your credit scores as the same as a bank loan. •有道理-抵押貸款被認為是你的信用分數是一樣的銀行貸款。 They are not third rate lenders like the credit card, auto loans, personal loans that are always there for you. 他們不會第三次加貸款等信用卡，汽車貸款，個人貸款，總是有你。 Third Rate Lenders have a negative effect on scores, but mortgages are looked at as a real asset. 第三次利率貸款產生負面影響分數，但抵押貸款看作是一個真正的資產。 So getting one is an absolutely sure way to make your score improve. 因此，有一個是絕對肯定的方法，使您評分改善。

Get out of bankruptcy fast with our effective tips! 走出破產的快與我們的有效提示！ click to the next page: Mortgage Options 2 點擊下一頁： 第2按揭選擇