Categories for Raise Credit Score

Smooth and Quick Actions for Credit Rating Dispute

March 3, 2011 9:30 pm Published by

A great percentage of credit reports are plagued with inaccurate and erroneous information that are more often than not negative items, which ruin the credit score. A credit report dispute starts when you realize that the credit reports from the three reporting bureaus have incorrect information that damages the credit standing. It should be noted that you will have to get your credit report from the three bureaus namely Experian, Equifax, and TransUnion. You may get your free copy but only once in a year at www.annualcreditreport.com. Yet if once is not enough, then there is always a price to pay of up to $10.50 for a spare copy.

Once you might have identified the errors, write a credit report dispute letter in which you will include things like the full particulars of why the item is erroneous. Then also attach copies of documents and maybe receipts that may support your claim. Possibly, you could possibly send separate dispute letters towards the three reporting bureaus as credit reports can differ for each and every bureau. Furthermore, retain an assurance that the letters you might have sent have been effectively received by applying certified mail using the request for a return receipt.

The bureaus should then investigate those items you have got on dispute inside 30 days and then they’ll countercheck this with the agency that provided them the details. Once they’ve verified that your credit report dispute has a bearing then the information and facts provider will send a report towards the 3 bureaus about the adjustments. Subsequently, they are then responsible to appropriate the credit report and send you an updated copy with the all of the corrections completed to it.

With all these steps, it is essential that creditors should also be informed about the updates on your credit score so as to update records on their end. Otherwise, if the negative information on the credit report is valid and true, then only the passage of time can definitely remove it where it will take at least 7 years for you to wait.

Some would say that a negotiation using the creditors can do the trick when you can’t wait. Nonetheless, the damage is already there and negotiation will only supply to a constructive outcome should you be to pay in full or at least a greater sum of the exceptional debt.

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5 Tips to Raise Your Credit Score 100 Points

March 2, 2011 6:00 pm Published by

5 Tips to Raise Your Credit Score 100 Points

If the recent trends in the economy has taken its tole on your finances, and also your credit, here are five tips to raise your credit score 100 points, and help you get back on track.

1. Request your free credit report, and view your credit score. You may have inaccurate things or claims you are unaware about on there. Keeping track of your credit report will help you monitor what is going on and keep you up to date about your financial situation.

2. Pay all of your bills on time. If you are currently behind on bills, catch up and start making sure that they are being paid when they are supposed to be and get current. If you are having a hard time paying your bills, you may need to set a budget for yourself, or cut back on certain things. Maybe you need to take a standard cable package, make sure you turn lights off, or not spend as much money on entertainment. Staying current on your bills is the most important key in raising a credit score quickly.

3. Don’t shuffle debt around. Putting debt on credit cards and combining it with other debts isn’t going to help you. You need to start paying it off. Pay of the smallest debts first, and then work your way up. Remember that negative marks on your credit are going to stay their for 7 years. It will better for you to have more claims closed than have a bunch of different open ones. Set aside and allotted amount of money each month that you are going to use to pay off your current debts.

4. Don’t keep balances high on credit cards. Keeping your balances low, and paying off debt on time is going to help your rating. It is good to have 3 open lines of credit, however you are going to want to have low balances and not be drowning in debt. Also closing credit cards isn’t going to raise your credit score.

5. Lastly, don’t apply or open many lines of credits at once. This will severely hurt your current credit ranking. Each and every time that someone pulls your credit score and views it, your score will go down. Only apply for credit when it is necessary, and don’t apply to multiple different companies at once.

Following these 5 simple steps you help you boost your credit score over a fairly short amount of time. Even if you haven’t in the past, start managing your debt responsibly and paying your bills on time. You only have one credit score and what you do today can effect you long term, so be careful.

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how can you raise a credit score quickly by about 50 pts. I know paying bills on time is the way to go but if?

March 1, 2011 6:00 am Published by

Question by curious2: how can you raise a credit score quickly by about 50 pts. I know paying bills on time is the way to go but if?
a person has only 1 payment that is reportable then it could take a long time to raise scores. suggestions please.

also what is the scale for credit rating? thanks.

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Best answer:

Answer by gottabuylots
Pay off 90% of your outstanding balances, that makes a huge difference.

Know better? Leave your own answer in the comments!



Lastest Raise Credit Score News

February 25, 2011 6:00 pm Published by

Centrica PLC UK Regulatory Announcement: Final Results
LONDON–(BUSINESS WIRE)–Preliminary results for the year ended 31 December 2010 Centrica plc For the year ended 31 December H2 2010 H2 2009 FY 2010 FY 2009 Revenue4 £10.7bn £10.3bn £22.4bn £22.0bn Adjusted operating profit4,1 £827m £912m £2,390m £1,857m Total taxation charge3 £241m £209m £761m £548m Adjusted earnings2 £411m £574m £1,297m £1,111m Adjusted basic earnings per share2 8.0p 11.2p 25 …
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Pasco business digest
By Jean Hayes, Times Staff Writer Friday, February 18, 2011 Enter drawing to win Bucs season tickets The Sertoma Speech & Hearing Foundation will hold a chance drawing during Chasco Fiesta this spring. The tickets offer a chance to win two NFL Buccaneers club level season tickets, valued at $ 4,100. Raffle tickets are $ 75 each, and only 200 will be sold for the drawing. Amenities will include two …
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Read more on St. Petersburg Times

College Basketball Capsules: Tigers still seeking first Big 12 road victory
COLUMBIA, Mo. (AP) — Unbeaten at home and often very beatable on the road, No. 20 Missouri is running out of chances to prove itself an all-around threat.
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Raise Your Credit Score – Simple Steps To Higher Credit Limits

February 25, 2011 6:00 am Published by

Raise Your Credit Score – Simple Steps To Higher Credit Limits

Your credit score might make you sick to your stomach, but it doesn’t have to be that way. Your credit score is a valuable asset and you owe it to yourself to have the best score possible. Start following these steps today and you will find higher credit limits tomorrow.

Pay your Bills on time. This one seems like common sense, right? Well it’s actually the one most people mess up This factor can account for up to 35% of your credit score. Having paid your bills on time in the past is a good indicator that you will do so in the future. Rebuilding your credit may seem like a daunting, time-consuming task, and in many ways it is, but with this step, you can regain control and effectively raise your score.

Correct errors on your credit report. This is another simple way to start improving your credit score. Each year you are allowed one free credit report from the three major reporting authorities. Take advantage of this opportunity and scrutinize your report for any errors. If you find any, you can initiate a dispute on the following web sites:

TransUnion: www.tuc.com

Equifax: www.equifax.com

Experian: www.experian.com

Control your Credit Card Debt. Although credit cards are an important step in establishing your credit history, it is detrimental to your credit score to carry balances that account for more than 25% to 35% of your total credit line. For example, let’s say you have a credit card with a ,000 limit. Once you exceed a balance of ,500 to ,500, your credit score is adversely affected. For this reason it is not always advisable to consolidate credit card debt onto one low interest card. Many people credit card hop their debt from one zero interest card to the next, often unknowingly harming their credit score. Depending on your particular situation, it might be better to spread your debt over a few low interest cards.

Don’t Close Unused Accounts. If your accounts are clean, then the older they are, the better they are for your score. A portion of your credit score is tabulated by taking an average age of your lines of credit. If you don’t use an account, just forget about it and let it raise your score for years to come.

Minimize Inquiries. There are two types of inquiries that are recorded on your credit report. “Soft” inquiries are initiated by you, through the major reporting authorities, and do not hurt your score. “Hard” inquiries are those initiated by businesses, such as lenders, when you request credit. These are the type that slightly lower your credit score. This is why it is important to only apply for credit when credit is needed and not to open many accounts in a short period of time. It is probably a good idea to limit both types of inquiries, but definitely limit those of the “hard” variety.

There is a great deal more you can do, however I believe these are key to a good credit score. Obviously you want to avoid bankruptcy. It will kill a credit score for up to 10 years. But to achieve a decent score, these guidelines should be followed. I am a young adult whose credit history is not that extensive. I have mostly followed these steps, and I have a score of around 700 and have secured two concurrent mortgages. If I were pressed, I would say the most important of these steps is paying your bills on time

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Anthony Oneli has written many articles on credit management and is the webmaster of a site that offers news and information on credit cards.Compare credit cards and start saving.

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