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One of the basics of getting the most competitive credit card deal in the market is to ensure you have the best credit record possible. Few of us are lucky enough to be earning a six-figure salary, and many people are likely to have other financial undertakings that a potential lender will want to take into account. None of this, however, should preclude you from getting a top bracket credit rating. Getting a credit score of 700+ may be beyond some consumers, but lifting your credit rating to a point at which lenders will furnish you with some of their best deals is not an insurmountable task. It can be a stressful time applying for a new line of credit. Many consumers get upset when applying for a new credit card when they find out their credit score is low, and they have poor credit. A lower credit score can impact the amount of money that financial institutions will lend you. It can also impact on the rate of interest at which you borrow. In some cases, the difference between having an excellent credit rating and a poor one could be getting a 0% deal on your credit card, and paying an APR that touches 30%. Sometimes financial institutions won?t even lend you a dime, based on a low credit score. A variety of factors can impact on your credit score. Generally speaking, lenders love stability more than anything else. Paying amounts owed on time is but one of many variables. It could be that you?ve lived in more than one address over the preceding three years; or having borrowings with a variety of institutions. It could even be down to the fact that you?ve got too much credit already at your disposal. But just what goes into your credit score? A report by the analytics experts Fair Issac recently broke credit scoring down into five categories and assessed their importance on the final rating. Most important was how you had paid you bills in the past with the most emphasis on recent activity. Naturally, paying all your bills on time is good; paying the