The purpose of the credit steps program is to offer you a path to increase your credit limit by showing that you can responsibly handle a credit card. (creditshout.com)
The unproven theory is that people who handle credit responsibly are more likely to maintain their homes properly and obey traffic laws. (sfgate.com)
To learn how you have handled credit in the past, most creditors obtain a report from your local credit bureau. (mortgage-x.com)