Credit is the main thing in any case. If you have more credit, it means that you are worth more than others. You may thing that, credit doesn’t impact on our routine work. Of course yes, but the thing if you are looking to get some loan then first thing the bank will look for is your credit value. You will get personal loan according to your credit points. let me talk about credit cards, it is like a debit card with small difference or advantage. You can able to use your debit only if you have enough balance in your account, where as in case of credit you can use even there is no money in it. Each card has certain value, you can’t use it further. This limit is called as overdraft limit and it mainly depends on how much your credit value. Mortgage is familiar term, means that we are getting money from bank by keeping our asset as a mortgage. You have to repay this money with in particular time. Finally, there are certain things need to be followed to get good credit repair.There should be some transaction over the period and you have to maintain some money in your personal account. The credit value will go low if you don’t pay your loan and other stuff. Get good credit value and enjoy the most benefits from the bank.