How To Build A Good Credit Rating From bartering in ancient times, to metal coinage, to paper currency, the latest stage and development in the evolution of currency is credit and credit ratings. With increasing ease and usage of the internet, and e-commerce, electronic transfers and so-called “plastic currency” is fast replacing cash.The way credit works is that it is a record of your spending and borrowing habits,...... Similar Editorial : by Faranak Groves. | Source : Credit Repair Loans