write an editorial

I would like a article written in reference to improving your credit. i want it written in 4 parts. The first title would be 1. The road to obtaining good credit.(discuss the pitfalls of bad credit and high interest rates) I'm interested in letting my audience understand what created the bad credit. How they got into the situation. Ex: to many late charges, charge off accounts etc. 2. Good credit isn't hard to maintain. ( you could talk about opening to may accounts and how hard inquiries lead you to bad credit) give them some logical steps in maintaining their credit. EX: if they have a credit limit of $1,000 they should never go above 30% of the total. and they should not open to many accounts at one time. 3. Your on the road to good credit (dscuss the importance of paying your creditors own time and not over extending yourself) Credits look at you income to debt ratio and sometime it shows that a person is searching for credit. Explain the importance of paying more than the payment. It helps reduce the debt, as well as, allows you to pay the debt faster which reduces the total amount paid. 4. Your credit over 730 continue to maintain it. (how ti keep them) Now that you've got your credit over a 700 you can give them some ideas of how to ensure they maintain their credit and not end up in the same slump again