Acadian History free essay sample

Acadian History This segment of the site is given to the historical backdrop of the Acadian individuals. It clarifies how and why the French lived in this spot and called it Acadia, it was the piece of New France. How a gathering of less that 100 families, including Francois Girouard and his better half Jeanne Aucoin, took a risk and left France to occupy this new land and call it home. This Colony of individuals figured out how to thrive significantly under severe English guideline. I can thinking the how the Acadian individuals lived and in what sort of the houses, and what food they eat In 1755, everything changed. The years somewhere in the range of 1755 and 1762 was an appalling time for the Acadians and the Girouard Family. The British and French were quarreling over the control of rights and land. Until 1713, all the Acadian were approached to swear reliability to the British. At the point when they declined the British power chose for uphold an extradition. We will compose a custom paper test on Acadian History or on the other hand any comparative subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page It was an awful news for Acadian. Acadians lost the entirety of their privileges and lands and had to leave in the hold of stuffed boats bound to an obscure spot. The account of the Acadian expelling isn't lovely. During the pre-fall and fall f that year, troops acting under the authority of pilgrim authorities gathered together around 7,000 French-speaking, Catholic Acadians. They were packed into the holds of transport and scattered in little gatherings all through the British North American provinces. Numerous families were isolated, some never to meet again. Another eleven thousand Acadians got away into the forested areas and went through years as destitute outcasts. In any event 3,000 were caught and sent to France, while others waged war in guerrilla obstruction. * Why did this occur? What offense had the Acadians submitted? They had wouldn't make a genuine vow of devotion, demanding staying unbiased in the fierce and ruinous royal fighting between the provincial realms of Great Britain and France. They were eager to swear reliability to the British crown, they pronounced, however just with the incorporation of a condition: that we will wage war neither against his Britannic Majesty, nor against France, nor against any of their subjects or partners. * British pilgrim specialists tactily consented to those terms for about forty years, and the Acadians got known as the impartial French. In any case, in 1755, just before what might demonstrate to the climactic war with the French in North America, British specialists utilized Acadian impartiality as the guise for their ejection. The expulsion of the Acadians started in the fall of 1755 and went on until 1778. The primary expulsions, involving around 7000 individuals, were from settlements around the Bay of Fundy. After the British caught ile Royale and ile Saint-Jean and assaulted the Gaspe and the Saint Jonn River in 1 58, turtner Acadians were caught and extradited. Homesteads and organizations were annihilated. A British official showing up at Annapolis Royal in October 1757 watched demolished homes, and broad plantations very much planted with apple and pear trees,bending under their weight of natural product . Acadians were transported to numerous focuses around the Atlantic. Huge numbers were expelled to the mainland provinces, others to France. Some figured out how to get away to New France (Quebec). A bunch showed up in the Upper Saint John Valley. Many moved a few times; an extraordinary number left the American states toward the finish of the war and came back to Nova Scotia; a large number of those in France moved to the French Caribbean or o Louisiana, where they framed the premise of the Cajun populace. Those Acadians who came back to Nova Scotia during the 1780s and 1790s discovered their previous settlements involved by American pioneers and Loyalists. Accordingly, the Acadians involved new regions in western Nova Scotia, Cape Breton Island, Prince Edward Island, the eastern shore of New Brunswick, and the Gaspâ © Peninsula. In these regions, they drew a living from cultivating, inshore angling, ambling, and shipbuilding The National Historic Park at Grand-prâ © recollect the Acadian expelling. The tatue speaks to the house cleaner Evangeline, the legend of Henry Wadsworth LongfelloWs renowned sonnet about the extradition distributed in 1847. As of late, the Queen of England recognized this was a slip-up. So as to recall this occasion 250th commemoration, the Canadian postal assistance appropriates a memorial stamp, in the postage stamp configuration ticket the ticket for Canada in 1930 the dedicatory stamp which conveyed for this occasion 175th commemoration, the plan for that year Arab League Cady Asias gospel church. In this sort of ticket the ticket structure attitude is the Canadian postal assistance postage stamp dvisory commissions proposal. This postage stamp by Pierre-Yves the Pelletier plan, the assumed worth is 0. 50 Canadian dollar, the postage stamp particular for 39. 65x48mm, release 16, the puncturing 13+ degree, print by Canadian India Paper cash Factory, the amount gave is 2,500,000. * The British and Canadian government have now recognized their duty regarding an inappropriate done to the Acadians. The job of New Englanders as the culprits in this scene of ethnic purging proposes that Americans should consider the bigger setting of our national history.

Maneka gandhi Essay

The principle issues under the steady gaze of the court for this situation were as per the following; - regardless of whether option to travel to another country is a piece of right to individual freedom nder Article 21 . Regardless of whether the Passport Act endorses a ‘procedure’ as required by Article 21 preceding denying an individual from the privilege ensured under the said Article. - Whether area 10(3) (c) of the Passport Act is violative of Article 14, 19(1) (an) and 21 of the constitution. - Whether the criticized request of the provincial visa official is in contradiction of the standards of regular Justice. The Supreme Court for this situation emphasized the suggestion that the essential rights under the constitution of India are not fundamentally unrelated but rather are interrelated. As per Justice K. lyer, ‘a principal right isn't an island in itself. The articulation â€Å"personal liberty’ in Article 21 was deciphered comprehensively to overwhelm an assortment of rights inside itself. The court additionally saw that the key rights ought to be deciphered in such a way to extend its scope and ambit as opposed to focus its importance and substance by Judicial development. Article 21 gives that no individual will be denied of his life or individual freedom aside from as per technique set up by law yet that doesn't imply that a unimportant similarity to methodology rovided by law will fulfill the Article , the system ought to be Just , reasonable and sensible. The standards of normal Justice are understood in Article 21 and subsequently the legal law must not denounce anybody unheard. A sensible chance of resistance or hearing ought to be given to the individual before influencing him, and without which the law will be a discretionary one. One of the huge understanding for this situation is the revelation of bury associations between Article 14, 19 and 21 . Accordingly a law which recommends a strategy for denying an individual of â€Å"personal as o ul II t tl the necessities otA 14 and 19 too. Also the ‘procedure built up by law’ as required under Article 21 must fulfill the trial of sensibility so as to accommodate with Article 14. Equity Krishna lyer for this situation saw that, â€Å"the soul of man is at the base of Article 21†, â€Å"personal freedom makes for the value of the human person† and â€Å"travel makes freedom worthwhile†. The court at long last held that the option to travel and go outside the nation is remembered for the privilege to individual freedom ensured under Article 21 . Segment 10(3) (c) of the Passport Act isn't violative of Article 21 as it is suggested in the arrangement that the standards of characteristic equity would be appropriate in the activity of the intensity of seizing a visa . The deformity of the request was expelled and the request was passed as per methodology set up by law. The hon’ble Supreme Court for this situation set out various different suggestions which made the privilege to life’ or ‘personal freedom progressively significant. Maneka Gandhi case has an extraordinary centrality in the improvement of Constitutional law of India.

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.