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Some people with fair credit consider that their credit status is not good enough. It seems to them that limited credit is something right next to bad credit. Others regard their positions as pretty promising, and think that they are just a few steps away from becoming good credit owners. Psychologists believe that a credit consumer' attitude to his or her credit rating is closely connected with their character.

So, the first category of people, as a rule, has somewhat pessimistic outlooks. The second type can be referred to as optimistic people. But what is this fair credit in reality and how its owners should treat it?

In fact, fair credit is somewhere in between good and bad one. But, as the experience shows, it is much easier to slide down to a lower credit status, than score a few cherished points to make your way up to a higher rank. Actually, fair credit is even closer to good credit rating, rather than to bad score, according to FICO scores chart. If you take a look at that table, you will see that bad credit score ranges from 350 to 619. Fair credit starts from 620. And once you reach 660, you will become a lucky and rightful owner of good credit.

You see, in order to get from the very bottom of bad credit to fair credit, you will need to earn 270 points. Meanwhile, the difference between fair and good credit makes up just 40 points. But last steps to the top are the most difficult.

As for your attitude, it is not even the attitude that matters, it is all about what you are ready to do to become eligible for good credit cards. Upgrading your fair credit to good credit is not a piece of cake, but some efforts and your diligence can make it possible.

You can find a great number of e-tips and articles on improving your credit score. But, basically, they are all the same. Make your credit card payments on time, do not go over your credit limit, prove to be a reliable and creditworthy card holder, do not close your old accounts, pay down your debts, and so on. Here are a few alternative ways to make your credit score go up in just a couple of months.

• Remove old negative accounts and incorrect information from your credit file. Just write letters to collection agencies, provide all necessary documentation with correct details, and ask agencies to remove errors and negative items from your credit report.
• Open a couple of new accounts with high credit limits and keep your balances low. Use from 10% to 30% of your credit line available. This will boost your credit score for sure.

• Add accounts with years of exceptionally good payment history. You can ask one of your friends or family members with good or excellent credit co-sign you, for instance.

You can also try some other techniques of improving credit, but these will raise your credit score for sure.

And of course, while you are working on becoming a good credit owner, find a fair credit card with favorable terms.

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