Q: Your credit history is the record of your behavior relating to how you borrow money and pay it back. Your credit report is the main determinant in your ability to get a loan. Additionally, your credit report contains information about your employment record; the number of times you applied for getting a loan and with which lenders; collection accounts; and judgments. Three credit bureaus Equifax, Transunion, and Experian collect and maintain your credit history information, including account names and numbers, account types, opening/closing dates, credit limits, balances, high balances, monthly payments and late payments. Order a copy of your credit report. You may request one free copy of your credit report each year from each of the credit bureaus. You can contact the credit bureaus on the phone or complete a form online to obtain these reports. It is important to get all three, as some bureaus may report different information than others. Examine your credit report for negatives. This includes late payments, over-limit balances, collections, and judgments. Repair negative issues on your credit report. This may be as simple as reporting an inaccuracy to the credit bureau or may involve paying off a collection or judgment. In addition to your credit report, getting your credit score is a good idea. Generally, a credit score of 640 or above is considered above average and will not give you problems when applying for a loan. If your score is below 640, you may have a tough time finding a lender that won't charge you a high-interest rate or impose other conditions on your eligibility. Lenders should be able to give you a range of credit scores required for a particular loan. If you fall within that range based on your credit score, you'll know that you, at least, have a chance at being approved for the loan. You'll have a much harder time qualifying for a loan with a range far above your credit score. If you're looking to improve your credit score, you can take certain steps, such as getting a better debt to credit ratio, paying off lingering loans, reducing overall debt and opening multiple lines of (good) credit. Your income is equally as important to getting a loan as your credit. Not only will you need a current source of income for loan approval, but you will also need a stable history of earning income. Keep a recent pay stub from your job when you go to apply for a loan. It is possible that lenders will want to see proof of income. The more stable the history of income, the better your chances of getting a loan with favorable conditions, such as a low-interest rate. You will have to prove your ability and willingness to repay a loan to get approved for a loan. You will need to provide supporting evidence of these qualities in the form of a credit report (which the lender can pull), bank statements, pay stubs and/or income tax forms. Collect these documents and store them in a safe place. Have them ready for when you find the perfect loan to apply for. The size of loan you need will help narrow your lender options. Additionally, it is necessary to determine that you can afford the payments on the loan size you need.
A: Optimize your credit report. Get your credit score. Establish a stable source of income. Gather documentation. Determine the amount of money you need to borrow.

Q: Stay up with technology, and learn to communicate better. You would also do well to learn to manage other people. You can take seminars and continuing education classes to improve your skills. By picking a particular specialization, you can take the time to truly understand that specialization. For instance, you could become a ratings analyst. A ratings analyst assess whether companies can pay their debts or not. Another occupation is a risk analyst. Risk analysts protect portfolios by hedging against the stock market's swings. For instance, you can become a portfolio manager or a fund manager. As a portfolio manager, you would decide where your company's portfolio is invested. You would also supervise a group of people in this position. Similarly, as a fund manager, you would invest money for one large client.
A: Continue to develop your skill set. Specialize in a field. Move up in your field.

Q: Ask yourself a series of questions about how you performed over the semester in order to analyze what went well and what didn't go so well. What did you end up doing differently after deciding to raise your grades? Did any of it work? How much did your grades improved, if at all? What did you find worked really well for you, and what did you find worked really badly for you? Is there anything you'd like to do differently next time? Think about the study methods you took on that really helped and make sure you build them into your permanent repertoire. Think about what didn't work and why it didn't work. Maybe you tried to study at home and found it was more distracting than you'd like, etc. Make sure to avoid these items in the future. Buy yourself an academic calendar and/or a large wall-mounted white-board calendar. Clean up the space you intend to use for studying, remove anything you don't need (books, magazines, comics, etc.) and organize the things you do need (pens, pencils, highlighters, sticky notes, etc.) Make your study space a distraction-free zone. Organize your study materials in a way that makes sense to you and allows you to find things quickly. Have a separate notebook or binder for each class you're taking and label them appropriately. Have pens and highlighters of different colours to signify different things in your notes and textbooks. For example, blue might mean examples, whereas yellow means definitions. Turn your cell phone or tablet off while studying. And if you're not using it, turn the wi-fi off on your computer while studying. Don't give into the temptation to check your email or text messages! If you're serious about improving your grades, your teachers will help. Ask them their advice on what to focus on in their class and what methods of studying work best for their material. Ask them if you can review assignments with them before you hand them in. Keep track of your teachers' contact information and office hours in a centralized location. Each week review where you are in each course and determine if you need to take advantage of your teacher's office hours, and if you do, schedule it in. When asking for advice, try to avoid saying things like "What's important in your class?" or "What do I need to do to get an A?" These suggest that you aren't actually invested in the class. Instead, ask questions such as "What types of questions do your exams usually focus on? I'd like to know how to improve my note-taking" or "What advice would you give a student who really wants to do well?" Work with friends or classmates, as a group, to learn the material and work on the assignments. Quiz each other. Do sample tests together. Take turns "teaching" each other the material. It is advantageous, but not necessary, to have some structure to your study group, such as: a pre-determined meeting time and place, specific study session goals, and an informal leader or moderator. Study group members do not need to be your friends. In fact, it might be better if they weren't. Getting together with your friends to study might turn into socialization time, which isn't helpful. Make sure you always get a good night's rest. Eat properly every day. And exercise as often as you can. Taking care of yourself physically will help make sure you can take care of yourself mentally. Taking care of yourself also means taking breaks when studying, like getting up and walking around every hour, and rewarding yourself for meeting your study goals. Tutors can be folks you've hired to spend time working with you on a specific subject, but it can also include your school's success centres. Most post-secondary institutions have tutoring centres (manned by graduate students), writing centres (that offer both seminars and feedback on actual papers), and success centres (where professionals can provide you guidance and feedback). Some of this extra help is free, while some has a cost associated with it. If you're interested in hiring a tutor, ask your teacher for recommendations. They'll know which former students did well in their class and who might be able to help you.
A:
Complete a post-semester assessment. Get yourself organized. Talk to your teacher(s) in advance. Join or start a study group. Take care of yourself physically. Get a tutor.