In order to obtain excellent credit rating, the credit card should be used carefully and sensibly:
-Apply for several credit cards (reasonable amount, not to exceed more then you can handle).
-Place your credit card charges wisely. Make sure you can afford to pay for the purchases. At least make a minimum payment.
-Make sure you pay your credit card bills on time, avoid late payment fees.
-Manage you credit card credit line. You may have a high credit limit, but it doesn’t mean you have to go on the shopping spree, and spend all of that money at once.
Your credit history will show the credit limits which are great for your credit.
-If you have difficulty obtaining a credit card, you have an option of getting a Secure Card.
It works like a saving or checking account. You place the money down, and then use is until you are able to get an actual credit from substantial financial institution.
-As you build your credit, you can always check you credit report (can be free credit report) to see how well you do.
Please take Ron up on his offer for a Free Credit Report
As you can see getting your home loan is an easy process as long as your have RMCFUNDING behind you