1)    Obtain a credit report from anyone of credit bureaus to determine if there are damaging entries that might cause your credit application to be denied. By checking your credit from all of credit bureaus, you can determine which one is your best option.

2)    Call several banks and lenders and ask receptionist, etc., which credit bureau they use in their application approval process. If individual tells you they don't know, ask them to find out.

3)    Select a bank or lender that subscribes to a credit reporting agency other than one typically used in area. This will ensure that you have most favorable information readily available to check.

4)    Obtain a credit report from credit reporting agency that your selected lender uses. A simple process that can be easily done on Internet.

5)    Repeat step number 4 until you find a report that is most favorable to you and shows least negative entries.

6)    The only thing left for you to do is apply with that bank, lender, or other creditor that subscribes to credit bureau that has credit report most favorable to you.

Your credit file could list multiple damaging information in one credit report, but never show up in another! By obtaining your credit reports in advance, you will definitely know which lender to approach for credit. All you have to do is ask! By establishing a strong credit background, you'll be able to enjoy life, without any worries of being declined, getting things you want! Just think...no longer will you'll be embarrased or turned down because of bad credit. The choice is all up to you to do it!

6.BE EMOTIONLESS. Two biggest emotions in trading: greed and fear. Do not let greed and fear influence your trade. Trading is a mechanical process and it's not for emotional ones. As Dr. Alexander Elder said in his book Trading For A Living, if you sit in front of a successful trader and observe how he trades, you might not be able to tell whether he is making or losing money. That's how emotionally stable a successful trader is.

7.DO NOT TRADE BASED ON A TIP FROM A FRIEND OR BROKER. Trade only when you have done your own research and analysis. Be an informed trader.

8.KEEP A TRADING JOURNAL. When you buy a stock, write down reasons why you buy, and your feelings at that time. You do same when you sell. Analyze and write down mistakes you've made, as well as things that you've done right. By referring to your trading journal, you learn from your past mistakes. Improve on your mistakes, keep learning and keep improving.

9.WHEN IN DOUBT, STAY OUT. When you have doubt and not sure where market or stock is going, stay on sideline. Sometimes, doing nothing is best thing to do.

10.DO NOT OVERTRADE. Ideally you should have 3-5 positions at a time. No more than that. If you have too many positions, you tend to be out of control and make emotional decisions when there is a change in market. Do not trade for sake of trading.

Above all rules, there is one single most important element in trading success: YOU. The markets have been same and will always be same. You decide whether trade is a success or failure. Losing is part of game. Don't give up and keep improving. Be disciplined, determined, persistent, and most of all enjoy your trading.