- For quick debt reduction, pay more than the minimum payment. The minimum payment just about equals the finance charges. The more you pay, the quicker the debt is eliminated. Perfect Credit May Be Impossible, but You Can Improve it. In An attempt to describe perfect credit it is almost impossible to put into words because perfect credit is a myth. The best the majority of consumers can achieve is good credit, not perfect credit, and this is due to the fact that we are human, and as humans we have a tendency to err. Yet, good credit is still a goal that is still unattainable by a large number of consumers because their credit is damage at a young age. The best concept devised is a report entitled "Using Credit Wisely" that discusses how to use credit, but we come into contact with credit at an early age and start the damaging process, which leads us to a lifetime of bad credit! This phenomenon is accredited to the ease of gaining credit during the college years, when credit card offers are pouring in almost every semester we are enrolled. As students we are not yet aware of the consequences of using credit unwisely, so we use them to pay all our other expenses. Now, all of our accounts have gone to collection, even the ones we tried to pay but got behind on, collection.

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