How to raise a creditscore? You are not the first person to ask this question.
More than 35 million Americans have less than perfect credit and experience all kinds of issues related to bad credit.
The growing significance of your credit goes beyond shopping.
Creditors, employers, landlords and insurers are pulling credit reports when trying to evaluate application.
Their final word often hinges on your three digit FICO score.
Luckily, fast credit repair is possible.
Here are 3 easy steps that will take you to the better side of the credit spectrum faster than you thought possible: 1 What does your credit report say? You can't come up with a winning credit repair strategy if you don't know how your credit report looks like.
Order a free copy of your credit report from annualreport.
com.
If you get it directly from the web sites of the 3 major credit bureaus, you will be charged a minimal fee.
Once you have the report, spend enough time analyzing it.
Certain items are more detrimental than others.
Highlight these items.
Also keep in mind that the older the negative item, the less impact it has on your final FICO score.
Underline all current items as well.
Scan your report for possible mistakes -inaccurate, outdated, ambiguous, questionable, biased or unverifiable information.
So what do you do after you identify the most problematic negative items in your report? 2 Can you repair your report without credit knowledge? No, you can't.
Can you play baseball if you don't know the rules of the game? Can you communicate with Chinese people if you don't speak their language? The same logic applies to the process of credit repair.
You have to know how the system works if you want to see positive results in your report.
How is your FICO calculated? Which are the 2 most important factors in your credit formula? What is the perfect balance/ limit ratio on your credit cards? How to achieve this ratio without paying off your balances? How to remove collections from your credit report? How to dispute and delete negative items from your credit record? What are your legal rights defined the Fair Credit Reporting Act and the Fair Debt Collection Practices? How to use the Dispute 623 strategy with original creditors? How to document your efforts? The answers to such question can open your eyes for the realities in the credit system.
The more you know, the better your chances to come up with a winning credit repair strategy.
3 Failed? Get up, dust off and try again.
The process to better credit is not always smooth and obstacle-free.
Some of your disputes might not end up with success.
Some credit bureaus and collection agencies might refuse to delete a negative item from your report.
Don't worry-the universe is not conspiring against.
Setbacks are normal.
The key for credit success is to keep on trying.
How to raise a credit score fast? The answer is simple-learn more about the inner workings of the credit system and the loopholes in it.
Credit tricks and little known secrets will help you raise credit faster than you thought possible.
Once you start thinking outside the credit box, you'll be surprised to find how easy credit repair actually is.
More than 35 million Americans have less than perfect credit and experience all kinds of issues related to bad credit.
The growing significance of your credit goes beyond shopping.
Creditors, employers, landlords and insurers are pulling credit reports when trying to evaluate application.
Their final word often hinges on your three digit FICO score.
Luckily, fast credit repair is possible.
Here are 3 easy steps that will take you to the better side of the credit spectrum faster than you thought possible: 1 What does your credit report say? You can't come up with a winning credit repair strategy if you don't know how your credit report looks like.
Order a free copy of your credit report from annualreport.
com.
If you get it directly from the web sites of the 3 major credit bureaus, you will be charged a minimal fee.
Once you have the report, spend enough time analyzing it.
Certain items are more detrimental than others.
Highlight these items.
Also keep in mind that the older the negative item, the less impact it has on your final FICO score.
Underline all current items as well.
Scan your report for possible mistakes -inaccurate, outdated, ambiguous, questionable, biased or unverifiable information.
So what do you do after you identify the most problematic negative items in your report? 2 Can you repair your report without credit knowledge? No, you can't.
Can you play baseball if you don't know the rules of the game? Can you communicate with Chinese people if you don't speak their language? The same logic applies to the process of credit repair.
You have to know how the system works if you want to see positive results in your report.
How is your FICO calculated? Which are the 2 most important factors in your credit formula? What is the perfect balance/ limit ratio on your credit cards? How to achieve this ratio without paying off your balances? How to remove collections from your credit report? How to dispute and delete negative items from your credit record? What are your legal rights defined the Fair Credit Reporting Act and the Fair Debt Collection Practices? How to use the Dispute 623 strategy with original creditors? How to document your efforts? The answers to such question can open your eyes for the realities in the credit system.
The more you know, the better your chances to come up with a winning credit repair strategy.
3 Failed? Get up, dust off and try again.
The process to better credit is not always smooth and obstacle-free.
Some of your disputes might not end up with success.
Some credit bureaus and collection agencies might refuse to delete a negative item from your report.
Don't worry-the universe is not conspiring against.
Setbacks are normal.
The key for credit success is to keep on trying.
How to raise a credit score fast? The answer is simple-learn more about the inner workings of the credit system and the loopholes in it.
Credit tricks and little known secrets will help you raise credit faster than you thought possible.
Once you start thinking outside the credit box, you'll be surprised to find how easy credit repair actually is.
SHARE
