No matter where you live or even if you do not invest in real estate or common equities, your credit score is essential to your future. The ability to borrow money (such as for a mortgage) and to pay it back is not just for the very wealthy but for everyone. It has been said that having bad credit is better than no credit to a lender because there is at least a track record for them to gauge. A good credit score is essential to low interest loans and increasing the ability to purchase items.

If you have a credit card, that is one way that your history speaks for your abilities to pay money back.  The good news is that even if you have a poor credit rating, it can be improved upon with some assistance from a mortgage broker who specializes in investment properties.

Each country around the world has its own credit agencies and ways of calculating credit.  Although I do not have them all at my own disposal, here is a partial list which can help you get started.

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Once your credit is on a solid footing, you can start the process of getting qualified for your first or next piece of real estate.