Tighter credit is -another sign- of tough economic times.
It can be more difficult to get loans.

Experts say there are ways to protect -- or improve -- your score.
How you pay your bills affects your ability to buy a car -- or any other expensive product -- because it influences your credit score.

Creditors consider the 4 “C's” of any customer:
capacity: how much credit you can afford, your collateral: the credit you already have. and, your character. Experts say the higher your credit score, the better.
850 is the best.

It's also important to check your credit reports with the different reporting agencies to make sure your reports are accurate.