 TITLE: What Does Subprime Mean? CONTENT: How to Become a Prime Consumer\n------------------------------\nCredit scores reflect an individual's credit management decisions. They can and do change, and the best way to move from the ranks of subprime borrowers to those of prime credit applicants is to develop habits that promote improvements in your credit score.\nThese include paying your bills on time every month, avoiding excessive balances on your credit cards, and demonstrating successful handling of a variety of different loans and credit types.\nWith patience and determination, it's possible for subprime borrowers to earn higher credit scores and enjoy the benefits of a prime credit score. END