Once a creditor sees that you ve had a co-signer, they ll see you as a high-risk client, and will also ask that you get a co-signer for their loan too. These times, a person s financial future greatly revolves around those three little numbers that make up a credit report. A good score indicates that you are financially stable, and is in good standing for applying a loan, or any form of financing. If you forget to pay one or two of your bills on time, prepare to have some red marks or black eyes on your credit history. To steer clear of any delinquencies, try setting up your bills for automatic withdrawal from your personal ckeching account, so that you won't have to deal with any collection agency in the future. If you re still undecided regarding which credit monitoring service to sign-up with, here are a few pros and cons of signing-up with credit monitoring services. Pros OF Credit Monitoring Services - A credit monitoring service makes a person life so much easier. Instead of personally filing for a credit report in the agency s office, you simply need to go online to quickly pull them up. 2 To Repair Your Credit Score, Simply Pay-off All Your Debts The truth is that your credit score will be influenced, and determined by your past credit history, and not by your current amount of debt. While you may be currently quickly paying-off your credit card debts, and settling any other outstanding obligations, your previous history of late or missed payments will still reflect on your score. Non-Payment Of Apartment Rentals Defaulting on your apartment rental payments can also add to your credit rating woes. Your landlord can actually report that he or she has evicted you for defaulting on your apartment rent, and this would surely sne dshivers down most property management companies and mortgage lenders. 5 Ways To Repair Your Credit Card Debt A credit card is a small plastic, rectangle-sized card which has a magnetic strip that s connected to a credit account, and allows the owner to buy various goods and services. While owning a credit card offers its benefits, the sad thing is that if you don t use a credit card responsibly, you could face a soaring mountain of debt, which can help to taint, or entirely mangle, your credit score.