Credit scores, on the scale assigned by FICO, range from 300 to 850. Who has an 850 credit score and what canyou do to get one? Less than 1 percent of the population has a credit score above 800, so it's very unlikely you will have an 850 credit score. However, if your credit score is above 720, you will probably still receive the best rates. Watch more credit and identity theft videos from Expert Real Estate Tips to learn how to raise your credit score.

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Before you even think about buying a home, you should ask yourself two questions: "What's my credit score?" and "How do I raise it?" Knowing your credit score will help you negotiate a good interest rate on your mortgage, and if you can raise your score, you'll get a loan with a lower interest rate.

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As the founder of Bello Mortgage, let my 11 years of experience and hundreds of resources find the best mortgage for you.

For Installment 2, I will be going over what you should know about Credit Scores and what you can find out about your Credit Report.

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In this second installment, I continue my discussion about how corrupt financial institutions like Chase Bank need to be boycotted.

I also recommend not using Visa and Mastercard checking cards, even when the money exists in your checking account. Even though this doesn't incur interest on you, the merchant has to pay anywhere from 2-4 percent to that financial institution. Mom & pop stores are up to their eyeballs in this financial crap, and every time I go to a diner or low-cost store, I use cash or check, as well as reusable shopping bags.

But the main thing is to put a monkey wrench is this creepy financial system we have all become so accustomed to accepting.

Please make 2009 the year of paying down debt and saying "screw you" to these parasitic institutions. And if you must default on just one credit card, let it be your Chase Card. After all, they have no compassion on you, right? You're just returning the favor.

Please feel free to leave your comments and do as much research as you can on this subject.

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