Gender Issues of Mesopotamia Essay -- Gilgamesh Gender Female Rights E

Sexual orientation Issues of Mesopotamiaâ â â â â â â â â â â â â  â â â â Since the commencement of our general public, ladies have increased a specific regard and certain rights after some time. Such basic parts of life, for example, finding a new line of work, casting a ballot, and in any event, picking who they might want to wed are things that ladies have battled for, for a long time. At a certain point, these were everything that ladies in America and parts of Europe reserved no privilege to. Men all in all had stifled ladies and assumed responsibility for the general public. Notwithstanding mass mistreatment ever, ladies have ascended in the public arena and now groups these normal rights.      Back in the times of Mesopotamia, things were very unique. Ladies were regarded for what their identity was and didn't need to battle to pick up the rights they had. Hammurabi’s Code contained laws, which regarded the privileges of ladies. Society when all is said in done was conformed to this kind of sexual equity. A considerable lot of the codes inside Hammurabi’s Code favor the men of the general public, however a significant number of them illuminate certain rights for the lives of the ladies. Certain laws exist in Hammurabi’s code so as to tackle issues of the general public. It illuminates the discipline for specific acts dispensing with any further complexities. Code 136 for instance, discloses what is to happen to a ladies who’s spouse runs off; â€Å"If any one go out, flee, and afterward his better half go to another house, on the off chance that, at that point he return, and wishes to take his significant other back: on the grounds that he fled from his home and fled, the wife of this runaway will not retur...

Religious Tradition Interview

Meeting Summary While examining the interviewee’s foundation data, the member answered that he had been in the situation of Catholic Church pioneer for a long time. The meeting likewise commented that being a strict pioneer required persistence on the grounds that such a significant number of individuals strived to go to the community gathering to look for compromise and forgiveness.Advertising We will compose a custom paper test on Religious Tradition: Interview explicitly for you for just $16.05 $11/page Learn More The member gave account on his initial understanding of taking this position and clarified this had been his choice to turn into the priest of religion. Since the youth, the strict pioneer was worried about the likelihood to demonstrate his duty to open life, just as his affection to God. While pondering the motivation behind chapel in his locale, Mr. Earthy colored advised that his longing to turn into a Catholic chief was not impacted by his folks. Or maybe, it had been his own cognizant choice. At the of this conversation, the pioneer conceded that it had taken him 2 years to grow enough trust in his authority capacity to head the congregation. While thinking on leader’s basic message that he uncovers in Catholic custom, Mr. Earthy colored attested that religion potently affected arrangement of people’s good, otherworldly, and moral qualities. Despite strict custom, the meeting accepted that Catholicism satisfied the job of profound establishment for individuals scanning for compromise and harmony. What's more, the member looked concerned while talking about the noteworthiness of praising the Eucharist and the job of chapel in the life of the network. Specifically, the Catholic head asserted that the congregation and celestial principle speak to the authority under which the open network could incorporate. Having the uniform guidelines and standards would permit individuals to turn out to be profoundly nearer to God. Because of the way that Mr. Earthy colored had lived in the district since his introduction to the world, he didn't feel any weight with respect to his folks and network. His demeanor to individuals regardless of their beginning and convictions is likewise equivalent, which is the fundamental guideline of Catholic convention. Specifically, the interviewee underlined that his errand as a pioneer was limited to steady help of parishioners who experienced issues in a mainstream life. His position expects him to be the courier between this present reality and the heavenly world. While discussing the primary difficulties during the administration, Mr. Earthy colored noticed that the most troublesome in achieving his obligation was to persuade individuals regarding the need to watch ideals and qualities, despite the challenges, which are regularly sent by God as a preliminary of human patience.Advertising Looking for article on religion religious philosophy? How about we check whether we can sup port you! Get your first paper with 15% OFF Learn More The strict pioneer likewise admitted that the most troublesome thing about his calling lied in convincing youthful populace about the need to go to places of worship and advancing their qualities and profound convictions. While breaking down tentative arrangements of the congregation network, the pioneer communicated his energy concerning the chance of creating solid systems, wherein strict convention was introduced from a more extensive perspective. Specifically, it ought not be viewed as a strict duty to God in particular, however as a philosophical structure that should frame the supporting of open life in the locale. The way that the vast majority go to chapel and quest for otherworldliness empowers the interviewee a large portion of all. Toward the finish of the meeting, Mr. Earthy colored included that this calling had become for him an instrument for improving the life in the network and building up a solid moral and good framework. Reflection While pondering on the preservation with the strict pioneer of the Catholic Church Sebastian Brown, explicit consideration requires the interviewee’s responsibility to and comprehension of the heavenly principle and its impact on open life. Specifically, in contrast to numerous different pioneers, Mr. Earthy colored is progressively worried about the useful importance of Catholic convention. Persuading individuals regarding the impact of religion on their moral and otherworldly convictions ought to be a need for the congregation. In this manner, the job of strict guides should comprise in supporting and urging the parishioners to scan for improving their life and molding such excellencies as affection, sympathy, and regard of others. Pardoning, along these lines, is the initial move toward compromise, despite the fact that this is the most troublesome one since people frequently neglect to understand the genuine estimation of this activity. Actually, Mr . Brown’s vision is all around thought since individuals frequently resort to God’s help whose activities are under the celestial control. In this unique circumstance, they don't reserve the privilege to conclude who is to be faulted. Cherishing and regarding individuals can improve the world and this way of thinking of pardoning and sympathy will give a solid establishment to the whole network. Hence, while talking about this issue, Mr. Earthy colored concentrated transcendently on authority and its significance for continuing open life.Advertising We will compose a custom exposition test on Religious Tradition: Interview explicitly for you for just $16.05 $11/page Learn More He was less worried about the likely arrangements in light of the fact that the vast majority of his commitments were aimed at improving the present condition of affaires. Simultaneously, the conversation of Catholic convention alluded to its reasonable incentive for individuals who are needing c ompromise and help to beat the hardships. Such a scholarly and strict point of view toward Catholic convention presents the celestial principle that demonstrations as per reason. Specifically, the strict pioneers concurred with the possibility that Catholicism consistently characterized men, paying little heed to their social position. People, in this manner, are animals of God whose nobility is broadcasted. To be sure, present day comprehension of religion distinguishes its philosophical quality, which improves the significance of supporting confidence in God and celestial standard by encountering His affection and consideration. Albeit Catholic customs varies extraordinarily from different strict viewpoints, including Islam, or Buddhism, its embodiment despite everything lies in revering such widespread excellencies as graciousness, love, regard, backing, and equity. Strict lessons ought not depend on explaining hypothetical structures, yet in addition on building up the feeling o f personality and having a place with a particular Church fellowship. While pondering the job of initiative in the network, explicit accentuation ought to be set in transit religion impacts techniques for overseeing and controlling community gathering. Subsequently, the job of chapel ought not be bound to strict duty. Or maybe, individuals ought to go to places of worship to satisfy themselves in mainstream life. The adherents, thusly, ought to have the option to cling to the most extreme standards directed by the congregation chief since they can contribute altogether to the government assistance of the network. The emphasis on interviewee’s solid confidence in the underlying great of people permitted him to create church enrollments, just as fundamental moral and virtues. The idea of enrollment substance premises on the individuals’ opportunity to go to chapel to set up boundless connections. Now, Mr. Earthy colored way to deal with driving individuals is proficient in light of the fact that it centers around people’s move in their attributions and in their goal to advance their spirituality.Advertising Searching for paper on religion religious philosophy? How about we check whether we can support you! Get your first paper with 15% OFF Find out More This article on Religious Tradition: Interview was composed and put together by client TheEnforcers to help you with your own investigations. You are allowed to utilize it for research and reference purposes so as to compose your own paper; be that as it may, you should refer to it in like manner. You can give your paper here.

How to Raise Your Credit Score by 100 Points

How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 PointsThe two most important parts of your score are your payment history and your amounts owed, so those are great places to start.For folks with bad credit, improving that score is step number one on their journey to financial fitness. Otherwise, when times get tough and they need to borrow money, they’re going to be stuck taking out predatory no credit check loans and short-term bad credit loans like payday loans, cash advances, and title loans to make ends meet (which probably wont end well).Raising your score means being able to secure lower interest rates and better financial products. Even if your score is just okay, taking that score from “good” to “great” could be the key to unlocking your financial future. If you want to raise your credit score by 100 points or more, here’s what you should do. Check your credit report.Your credit score is based on the information contained in your credit report. These are documents that cata log your history as a borrower, and they are compiled by the three major credit bureaus: Experian, TransUnion, and Equifax.As such, the best place to start when fixing your credit score is with your credit report. Not only will it give you an idea of what areas you need to fix, but it might even contain mistakes that are artificially lowering your score.“Carefully check your credit report and make sure there are no errors. If there are, dispute them,” said  OverdraftApps.com (@overdraftapps) co-founder Uri Abramson, adding that you can get a free copy of your report once a year by visiting AnnualCreditReport.com.And since you can request one free report from each credit bureau, that means you can get as many as three free credit reports annually!“The credit bureaus process untold trillions in payments and accounts, and they make mistakes all the time,” said Brian Davis, co-founder of  SparkRental.com (@SparkRental). “It’s your responsibility and your responsibility alone to make sure your credit report is accurate, and that you don’t have errors hurting your credit score.”To learn more about disputing errors on your report, check out our blog post:  How Do You Contest Errors On Your Credit Report?Start building your payment history.There are five different categories of information from your credit reports that make up your credit score. The most important category is your payment history, which makes up 35 percent of your score. When fixing your credit score, paying your bills on time is going to be key.“Pay all accounts on time every single month,” said Davis. “Even if you can only make the minimum payment, make sure it’s on time because late payments mar your credit score.”“Credit cards must be paid before anything else, like utility bills, (although not before the mortgage),” advised Abramson. “Wait for 30 days and your delinquency may be reported by your credit card issuers.”They aren’t kidding; even one late payment th at’s reported to the credit bureaus could dramatically lower your score. If you know you’re going to be late, call the company in question to see what can be done.You can also take a look at your bill schedules to see if a certain cluster of due dates is causing financial strain. If you call your lenders or utility companies, the odds are pretty good that you can have those due dates changed to ease the pressure.But what if you don’t have any loans or credit cards? How do you start building your payment history then? Don’t worry. There’s a solution.“If youre new to credit or have weak or poor credit, become an authorized user on someones credit card,” advised  Debt Assassin  RJ Mansfield (@DebtAssassin1). “As an AU you are never responsible for payments, but it will be reported on your credit report and help your score.”And if you can’t become an authorized user, try taking out a secured credit card to start building a better payment history. Above all else, a go od credit score begins with paying your bills on time. There’s no way around it!Keep your credit utilization low.The second most important part of your credit score is your amounts owed, which makes up 30 percent of your total score. If you have too much outstanding debt on loans and credit cards, your score is going to drop. Likewise, reducing that debt load will help improve it!However, there one specific aspect of your amounts owed that you should keep an eye on, as it can have a huge effect on your score: And that’s your credit utilization ratio, which affects any debt like credit cards where you can borrow up to a certain credit limit.“One of the metrics that determine your credit score is the ratio of credit used to credit available. Keeping all your balances below 30 percent of the limit keeps your score higher,” said Davis.This goes beyond paying off your credit card balances every month. To make sure you don’t get caught flat-footed by the start of the billing cyc le, you should try and keep your balances below thirty percent at all times.“Try to pay your credit card bill BEFORE your statement is cut rather than by the due date,” said Abramson. “Most credit card issuers report your balances to credit bureaus around the time your statement closes.”And in terms of maintaining lower balances, Abramson went even further. “Try to keep your utilization ratio (the ratio of your debt to your line of credit) below 10 percent for each of your credit cards,” he said. “Thats an aggressive goal, but your utilization ratio is the second most important component of the FICO score.”Lets be clear: 30 percent isnt some kind of magic threshold; dropping underneath it wont magically fix your score. It’s a good place to start, but you should be getting your balances as low as possibleâ€"on the way to paying them off entirely.In order to bust some myths surrounding the 30 percent line, Mansfield conducted a personal experiment using his own credi t cards. Here’s what he found:“Popular advice from ‘so-called’ credit experts is that its fine to carry up to thirty percent of your available credit lines. It is not. I did it. I carried twenty-nine percent to test the theory and my score dropped from 811 to 730, a drop of 81 points. Only carry a balance if you cant pay it in full to maximize your score.”Keep those old cards open.Paying down your debts is goodâ€"and be good we mean “pretty necessary to maintaining a good credit scoreâ€"but there are other actions you can take to make sure that your credit utilization remains as low as possible.Remember, there are two sides to your credit utilization ratio: The balances owed, and the total available credit. So while you pay down your balances, why not make sure that your total available credit remains as high as possible?“Avoid closing down a credit card even if you dont need it anymore (unless it has an annual fee).” said Abramson. “When you close a credit card, y our available line of credit shrinks, which can negatively impact your utilization ratio.”And that’s not the only reason you should keep those old cards open. “Credit bureaus look at the average age of your accounts, said Davis. “The older, the better.”Be patient.This is the hardest part of building your credit score. But if you’re really serious about the project, it’s something you can’t avoid.“Time is the best credit-builder,” said Abramson. “If you handle your credit responsibly and avoid any derogatory remarks on your credit file, you will easily increase your score by a large margin within a year.”These changes aren’t going to happen overnight. In order to fix your credit scoreâ€"whether you want to raise it by 50 points, 100 points, or 150â€"you’re going to need to be patient. Just remember: The reward waiting for you on the other end will be worth it!Here’s a story from someone who did it.Before you set out on your own financial journey to impro ve your credit score, we figured you might like to hear a real-life story from someone who pulled it off. In his own words, here’s how Brandon Ballweg, founder and editor of the photography and tech website  ComposeClick (@ComposeClick), managed to increase his credit score over 100 points over the past two years:“I verified any collections that were showing on my credit report. I had several. One was reporting incorrectly, which was removed when brought to the creditors attention. The others I paid off, a couple of which I was able to get a pay for deletion agreement. I just did this over the phone with the collection agenciesâ€"theres no reason to send them letters or try to get anything in writing.“I started with a secured card and opened up a few regular credit cards and have paid them all off when the statement comes. I keep at least a small balance for most of my cards before the statement to show utilization. I keep my overall utilization under 20 percent, usually lower .“I still have a ways to go because there are some missed payments showing on my credit report from a student loan provider. I hope to get these removed by communicating with the provider and pointing out the fact that I havent missed a payment in over a year and a half.“Thats it. I dont think anyone should be using expensive credit repair services that only do things that you would be able to do more effectively yourself. Its all about getting as many negative marks removed from your credit reports and showing consistent responsible credit use.”To learn more about how you can improve your credit score and your long-term financial outlook, check out these other posts and articles from OppLoans:Building Your Financial Life: Budgeting for BeginnersNo Credit Card? Here Are 6 Ways You Can Still Fix Your Credit ScoreSave More Money with These 40 Expert Tips10 Good Money Habits to Make Your Friends JealousDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsUri Abramson is the co-founder of the growing personal finance blog OverdraftApps.com (@overdraftapps), which specializes in transparent and honest reviews of financial products for low-medium credit score population and debt resolution advice.Brandon Ballweg is a photographer and entrepreneur. He is the founder of  ComposeClick (@ComposeClick), an educational site for photographers that provides information on the technical aspects of photography and how to succeed in the photography business.G. Brian Davis is a landlord, personal finance writer, and co-founder of  SparkRental.com (@SparkRental), which provides free video courses and rental investing tools for landlords. He spends most of the year overseas, splitting his time between Abu Dhabi, Europe, and his hometown of Baltimore.RJ Mansfield  (@DebtAssassin1) is a consumer’s rights advocate and author of  Debt Assassin: A Black Ops Guide to Cleaning Up Your Credit. How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 PointsThe two most important parts of your score are your payment history and your amounts owed, so those are great places to start.For folks with bad credit, improving that score is step number one on their journey to financial fitness. Otherwise, when times get tough and they need to borrow money, they’re going to be stuck taking out predatory no credit check loans and short-term bad credit loans like payday loans, cash advances, and title loans to make ends meet (which probably wont end well).Raising your score means being able to secure lower interest rates and better financial products. Even if your score is just okay, taking that score from “good” to “great” could be the key to unlocking your financial future. If you want to raise your credit score by 100 points or more, here’s what you should do. Check your credit report.Your credit score is based on the information contained in your credit report. These are documents that cata log your history as a borrower, and they are compiled by the three major credit bureaus: Experian, TransUnion, and Equifax.As such, the best place to start when fixing your credit score is with your credit report. Not only will it give you an idea of what areas you need to fix, but it might even contain mistakes that are artificially lowering your score.“Carefully check your credit report and make sure there are no errors. If there are, dispute them,” said  OverdraftApps.com (@overdraftapps) co-founder Uri Abramson, adding that you can get a free copy of your report once a year by visiting AnnualCreditReport.com.And since you can request one free report from each credit bureau, that means you can get as many as three free credit reports annually!“The credit bureaus process untold trillions in payments and accounts, and they make mistakes all the time,” said Brian Davis, co-founder of  SparkRental.com (@SparkRental). “It’s your responsibility and your responsibility alone to make sure your credit report is accurate, and that you don’t have errors hurting your credit score.”To learn more about disputing errors on your report, check out our blog post:  How Do You Contest Errors On Your Credit Report?Start building your payment history.There are five different categories of information from your credit reports that make up your credit score. The most important category is your payment history, which makes up 35 percent of your score. When fixing your credit score, paying your bills on time is going to be key.“Pay all accounts on time every single month,” said Davis. “Even if you can only make the minimum payment, make sure it’s on time because late payments mar your credit score.”“Credit cards must be paid before anything else, like utility bills, (although not before the mortgage),” advised Abramson. “Wait for 30 days and your delinquency may be reported by your credit card issuers.”They aren’t kidding; even one late payment th at’s reported to the credit bureaus could dramatically lower your score. If you know you’re going to be late, call the company in question to see what can be done.You can also take a look at your bill schedules to see if a certain cluster of due dates is causing financial strain. If you call your lenders or utility companies, the odds are pretty good that you can have those due dates changed to ease the pressure.But what if you don’t have any loans or credit cards? How do you start building your payment history then? Don’t worry. There’s a solution.“If youre new to credit or have weak or poor credit, become an authorized user on someones credit card,” advised  Debt Assassin  RJ Mansfield (@DebtAssassin1). “As an AU you are never responsible for payments, but it will be reported on your credit report and help your score.”And if you can’t become an authorized user, try taking out a secured credit card to start building a better payment history. Above all else, a go od credit score begins with paying your bills on time. There’s no way around it!Keep your credit utilization low.The second most important part of your credit score is your amounts owed, which makes up 30 percent of your total score. If you have too much outstanding debt on loans and credit cards, your score is going to drop. Likewise, reducing that debt load will help improve it!However, there one specific aspect of your amounts owed that you should keep an eye on, as it can have a huge effect on your score: And that’s your credit utilization ratio, which affects any debt like credit cards where you can borrow up to a certain credit limit.“One of the metrics that determine your credit score is the ratio of credit used to credit available. Keeping all your balances below 30 percent of the limit keeps your score higher,” said Davis.This goes beyond paying off your credit card balances every month. To make sure you don’t get caught flat-footed by the start of the billing cyc le, you should try and keep your balances below thirty percent at all times.“Try to pay your credit card bill BEFORE your statement is cut rather than by the due date,” said Abramson. “Most credit card issuers report your balances to credit bureaus around the time your statement closes.”And in terms of maintaining lower balances, Abramson went even further. “Try to keep your utilization ratio (the ratio of your debt to your line of credit) below 10 percent for each of your credit cards,” he said. “Thats an aggressive goal, but your utilization ratio is the second most important component of the FICO score.”Lets be clear: 30 percent isnt some kind of magic threshold; dropping underneath it wont magically fix your score. It’s a good place to start, but you should be getting your balances as low as possibleâ€"on the way to paying them off entirely.In order to bust some myths surrounding the 30 percent line, Mansfield conducted a personal experiment using his own credi t cards. Here’s what he found:“Popular advice from ‘so-called’ credit experts is that its fine to carry up to thirty percent of your available credit lines. It is not. I did it. I carried twenty-nine percent to test the theory and my score dropped from 811 to 730, a drop of 81 points. Only carry a balance if you cant pay it in full to maximize your score.”Keep those old cards open.Paying down your debts is goodâ€"and be good we mean “pretty necessary to maintaining a good credit scoreâ€"but there are other actions you can take to make sure that your credit utilization remains as low as possible.Remember, there are two sides to your credit utilization ratio: The balances owed, and the total available credit. So while you pay down your balances, why not make sure that your total available credit remains as high as possible?“Avoid closing down a credit card even if you dont need it anymore (unless it has an annual fee).” said Abramson. “When you close a credit card, y our available line of credit shrinks, which can negatively impact your utilization ratio.”And that’s not the only reason you should keep those old cards open. “Credit bureaus look at the average age of your accounts, said Davis. “The older, the better.”Be patient.This is the hardest part of building your credit score. But if you’re really serious about the project, it’s something you can’t avoid.“Time is the best credit-builder,” said Abramson. “If you handle your credit responsibly and avoid any derogatory remarks on your credit file, you will easily increase your score by a large margin within a year.”These changes aren’t going to happen overnight. In order to fix your credit scoreâ€"whether you want to raise it by 50 points, 100 points, or 150â€"you’re going to need to be patient. Just remember: The reward waiting for you on the other end will be worth it!Here’s a story from someone who did it.Before you set out on your own financial journey to impro ve your credit score, we figured you might like to hear a real-life story from someone who pulled it off. In his own words, here’s how Brandon Ballweg, founder and editor of the photography and tech website  ComposeClick (@ComposeClick), managed to increase his credit score over 100 points over the past two years:“I verified any collections that were showing on my credit report. I had several. One was reporting incorrectly, which was removed when brought to the creditors attention. The others I paid off, a couple of which I was able to get a pay for deletion agreement. I just did this over the phone with the collection agenciesâ€"theres no reason to send them letters or try to get anything in writing.“I started with a secured card and opened up a few regular credit cards and have paid them all off when the statement comes. I keep at least a small balance for most of my cards before the statement to show utilization. I keep my overall utilization under 20 percent, usually lower .“I still have a ways to go because there are some missed payments showing on my credit report from a student loan provider. I hope to get these removed by communicating with the provider and pointing out the fact that I havent missed a payment in over a year and a half.“Thats it. I dont think anyone should be using expensive credit repair services that only do things that you would be able to do more effectively yourself. Its all about getting as many negative marks removed from your credit reports and showing consistent responsible credit use.”To learn more about how you can improve your credit score and your long-term financial outlook, check out these other posts and articles from OppLoans:Building Your Financial Life: Budgeting for BeginnersNo Credit Card? Here Are 6 Ways You Can Still Fix Your Credit ScoreSave More Money with These 40 Expert Tips10 Good Money Habits to Make Your Friends JealousDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsUri Abramson is the co-founder of the growing personal finance blog OverdraftApps.com (@overdraftapps), which specializes in transparent and honest reviews of financial products for low-medium credit score population and debt resolution advice.Brandon Ballweg is a photographer and entrepreneur. He is the founder of  ComposeClick (@ComposeClick), an educational site for photographers that provides information on the technical aspects of photography and how to succeed in the photography business.G. Brian Davis is a landlord, personal finance writer, and co-founder of  SparkRental.com (@SparkRental), which provides free video courses and rental investing tools for landlords. He spends most of the year overseas, splitting his time between Abu Dhabi, Europe, and his hometown of Baltimore.RJ Mansfield  (@DebtAssassin1) is a consumer’s rights advocate and author of  Debt Assassin: A Black Ops Guide to Cleaning Up Your Credit. How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 PointsThe two most important parts of your score are your payment history and your amounts owed, so those are great places to start.For folks with bad credit, improving that score is step number one on their journey to financial fitness. Otherwise, when times get tough and they need to borrow money, they’re going to be stuck taking out predatory no credit check loans and short-term bad credit loans like payday loans, cash advances, and title loans to make ends meet (which probably wont end well).Raising your score means being able to secure lower interest rates and better financial products. Even if your score is just okay, taking that score from “good” to “great” could be the key to unlocking your financial future. If you want to raise your credit score by 100 points or more, here’s what you should do. Check your credit report.Your credit score is based on the information contained in your credit report. These are documents that cata log your history as a borrower, and they are compiled by the three major credit bureaus: Experian, TransUnion, and Equifax.As such, the best place to start when fixing your credit score is with your credit report. Not only will it give you an idea of what areas you need to fix, but it might even contain mistakes that are artificially lowering your score.“Carefully check your credit report and make sure there are no errors. If there are, dispute them,” said  OverdraftApps.com (@overdraftapps) co-founder Uri Abramson, adding that you can get a free copy of your report once a year by visiting AnnualCreditReport.com.And since you can request one free report from each credit bureau, that means you can get as many as three free credit reports annually!“The credit bureaus process untold trillions in payments and accounts, and they make mistakes all the time,” said Brian Davis, co-founder of  SparkRental.com (@SparkRental). “It’s your responsibility and your responsibility alone to make sure your credit report is accurate, and that you don’t have errors hurting your credit score.”To learn more about disputing errors on your report, check out our blog post:  How Do You Contest Errors On Your Credit Report?Start building your payment history.There are five different categories of information from your credit reports that make up your credit score. The most important category is your payment history, which makes up 35 percent of your score. When fixing your credit score, paying your bills on time is going to be key.“Pay all accounts on time every single month,” said Davis. “Even if you can only make the minimum payment, make sure it’s on time because late payments mar your credit score.”“Credit cards must be paid before anything else, like utility bills, (although not before the mortgage),” advised Abramson. “Wait for 30 days and your delinquency may be reported by your credit card issuers.”They aren’t kidding; even one late payment th at’s reported to the credit bureaus could dramatically lower your score. If you know you’re going to be late, call the company in question to see what can be done.You can also take a look at your bill schedules to see if a certain cluster of due dates is causing financial strain. If you call your lenders or utility companies, the odds are pretty good that you can have those due dates changed to ease the pressure.But what if you don’t have any loans or credit cards? How do you start building your payment history then? Don’t worry. There’s a solution.“If youre new to credit or have weak or poor credit, become an authorized user on someones credit card,” advised  Debt Assassin  RJ Mansfield (@DebtAssassin1). “As an AU you are never responsible for payments, but it will be reported on your credit report and help your score.”And if you can’t become an authorized user, try taking out a secured credit card to start building a better payment history. Above all else, a go od credit score begins with paying your bills on time. There’s no way around it!Keep your credit utilization low.The second most important part of your credit score is your amounts owed, which makes up 30 percent of your total score. If you have too much outstanding debt on loans and credit cards, your score is going to drop. Likewise, reducing that debt load will help improve it!However, there one specific aspect of your amounts owed that you should keep an eye on, as it can have a huge effect on your score: And that’s your credit utilization ratio, which affects any debt like credit cards where you can borrow up to a certain credit limit.“One of the metrics that determine your credit score is the ratio of credit used to credit available. Keeping all your balances below 30 percent of the limit keeps your score higher,” said Davis.This goes beyond paying off your credit card balances every month. To make sure you don’t get caught flat-footed by the start of the billing cyc le, you should try and keep your balances below thirty percent at all times.“Try to pay your credit card bill BEFORE your statement is cut rather than by the due date,” said Abramson. “Most credit card issuers report your balances to credit bureaus around the time your statement closes.”And in terms of maintaining lower balances, Abramson went even further. “Try to keep your utilization ratio (the ratio of your debt to your line of credit) below 10 percent for each of your credit cards,” he said. “Thats an aggressive goal, but your utilization ratio is the second most important component of the FICO score.”Lets be clear: 30 percent isnt some kind of magic threshold; dropping underneath it wont magically fix your score. It’s a good place to start, but you should be getting your balances as low as possibleâ€"on the way to paying them off entirely.In order to bust some myths surrounding the 30 percent line, Mansfield conducted a personal experiment using his own credi t cards. Here’s what he found:“Popular advice from ‘so-called’ credit experts is that its fine to carry up to thirty percent of your available credit lines. It is not. I did it. I carried twenty-nine percent to test the theory and my score dropped from 811 to 730, a drop of 81 points. Only carry a balance if you cant pay it in full to maximize your score.”Keep those old cards open.Paying down your debts is goodâ€"and be good we mean “pretty necessary to maintaining a good credit scoreâ€"but there are other actions you can take to make sure that your credit utilization remains as low as possible.Remember, there are two sides to your credit utilization ratio: The balances owed, and the total available credit. So while you pay down your balances, why not make sure that your total available credit remains as high as possible?“Avoid closing down a credit card even if you dont need it anymore (unless it has an annual fee).” said Abramson. “When you close a credit card, y our available line of credit shrinks, which can negatively impact your utilization ratio.”And that’s not the only reason you should keep those old cards open. “Credit bureaus look at the average age of your accounts, said Davis. “The older, the better.”Be patient.This is the hardest part of building your credit score. But if you’re really serious about the project, it’s something you can’t avoid.“Time is the best credit-builder,” said Abramson. “If you handle your credit responsibly and avoid any derogatory remarks on your credit file, you will easily increase your score by a large margin within a year.”These changes aren’t going to happen overnight. In order to fix your credit scoreâ€"whether you want to raise it by 50 points, 100 points, or 150â€"you’re going to need to be patient. Just remember: The reward waiting for you on the other end will be worth it!Here’s a story from someone who did it.Before you set out on your own financial journey to impro ve your credit score, we figured you might like to hear a real-life story from someone who pulled it off. In his own words, here’s how Brandon Ballweg, founder and editor of the photography and tech website  ComposeClick (@ComposeClick), managed to increase his credit score over 100 points over the past two years:“I verified any collections that were showing on my credit report. I had several. One was reporting incorrectly, which was removed when brought to the creditors attention. The others I paid off, a couple of which I was able to get a pay for deletion agreement. I just did this over the phone with the collection agenciesâ€"theres no reason to send them letters or try to get anything in writing.“I started with a secured card and opened up a few regular credit cards and have paid them all off when the statement comes. I keep at least a small balance for most of my cards before the statement to show utilization. I keep my overall utilization under 20 percent, usually lower .“I still have a ways to go because there are some missed payments showing on my credit report from a student loan provider. I hope to get these removed by communicating with the provider and pointing out the fact that I havent missed a payment in over a year and a half.“Thats it. I dont think anyone should be using expensive credit repair services that only do things that you would be able to do more effectively yourself. Its all about getting as many negative marks removed from your credit reports and showing consistent responsible credit use.”To learn more about how you can improve your credit score and your long-term financial outlook, check out these other posts and articles from OppLoans:Building Your Financial Life: Budgeting for BeginnersNo Credit Card? Here Are 6 Ways You Can Still Fix Your Credit ScoreSave More Money with These 40 Expert Tips10 Good Money Habits to Make Your Friends JealousDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsUri Abramson is the co-founder of the growing personal finance blog OverdraftApps.com (@overdraftapps), which specializes in transparent and honest reviews of financial products for low-medium credit score population and debt resolution advice.Brandon Ballweg is a photographer and entrepreneur. He is the founder of  ComposeClick (@ComposeClick), an educational site for photographers that provides information on the technical aspects of photography and how to succeed in the photography business.G. Brian Davis is a landlord, personal finance writer, and co-founder of  SparkRental.com (@SparkRental), which provides free video courses and rental investing tools for landlords. He spends most of the year overseas, splitting his time between Abu Dhabi, Europe, and his hometown of Baltimore.RJ Mansfield  (@DebtAssassin1) is a consumer’s rights advocate and author of  Debt Assassin: A Black Ops Guide to Cleaning Up Your Credit.