In this consuming society, the need for credit, let it be personal, car, or mortgage, is more and more frequent. The majority of insitutions base themselves on the consumer's Beacon Score to stablish a credit note (score), before approving the credit. Therefore, the higher the credit score, easier it is to borrow money.

This credit score is determined upon 5 factors : payment history, Due amount, Loans history, Type of credit used and new credits. Therefore it is important to take care of the reputation and integrity so to not have any problems in the future.


- Deal only with banking institutions

- Keep only 2 cards, gold or platinum

- Avoid store cards

- Maintain cards with less than 60% of the limit used

- Do not be late on payments

- Do not place more than 3 credit demands per year

- Even if the Beacon Score does not predict a consumer's exact score, the globality of these 5 factors represents his final credit score.