The following article was published in the most recent issue of the trade magazine Today's Grocer (Volume 58 issue 1). In it is some insight on Patrick A Cha-Fong, the man that has mastered, (without intentional effort), the credit game. This man has obtained what many experts have deemed unobtainable, and has done so  by just doing things as he always has in his 68 years of responsible living. In this article he offers some tips for managing your credit, will this help you to get perfect credit? Do it consistently for the next 30 years and you will see.

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Just added, Mr. Cha-Fong's 6 straight month with a perfect 850 FICO score.