Establishing a credit good credit history and solid credit score can be challenging on its own, but what happens when you've had some rough patches that seem to bring your credit score down and keep it there?

Finally there is an alternative for individuals who have proven to be consistent when paying for basic bills not often reported to credit agencies. So, if you've made regular rent, electricity, phone bill, cable, alimony or even child support payments according to the terms of agreements, that information can be used to help you get access to better interest rates and mortgage approvals.

Set to go into effect this month, consumers will now have the ability to request that potential lenders give consideration to their payment practices on other recurring obligations typically not factored into the equation.

Get the facts on how to get credit where credit is due do it at www.prbc.com