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It is important that you reestablish your credit as quickly as possible. Good credit will fall off of your report in a few years and the scoring system only scores by the recent pay history. After 2 years of no credit you will possibly have no score at all. In order to retain good credit standing choose your credit cards carefully so as not to pay a high fee. To obtain the best credit score you need 4 total lines of credit active. Paying off your low limit credit cards each month is the way to go. You never have to pay a interest charge if you pay as you charge. When the bill comes in for the gas you charged last month pay it and there is no interest charge. After about a year your credit card will raise your limit and that means your credit has been reestablished. Your score should be up and you are back on the road to normal interest rates on cars and homes.

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