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Credit Scores – How to Raise Credit Scores Quickly

September 26, 2010 5:00 am Published by

Credit Scores – How to Raise Credit Scores Quickly

Raising credit scores quickly is easy when you follow the following plan:

# 1 Look out where you get your credit rating report – and what it contains

Your personal and speak to information. This will include your name and your address, as well asyour past several addresses, your social insurance number, your employers (past and present) and your birth date.

# 2 Financial aid is available to everyone

The financial aid office offers one-on-one financial counseling, information about scholarships, tips on budgeting, books on money, and several more resources. The officers at your university or college financial aid office must offer you assist on almost any aspect of financial assist – including helping you figure out credit scoring. Moreover, several financial aid offices have workshops that must teach you about dealing with money and credit, and even offer no cost tax filing services, services that are extremely useful.

# 3 Seek professional help

Whether you are in by your head, and your credit is so poor that you cannot get a loan and must even be facing bankruptcy, you must want to seek assist from professionals. There are several financial professionals that must assist you with credit repair

# 4 Check your credit number regularly

Contact your creditors or any creditors that the identity thieves have opened an account with. Ask to speak to the security department and explain your predicament. You must need to have your accounts closed or at least your passwords changed to protect yourself.

# 5 Free credit report

Help ensure the accuracy of your credit rating by dowloading a version of your latest credit report for free! Get your free credit report and score now!

Fast Credit Repair

John Stocker is a credit improvement specialist at ImproveYourScore.org. Don’t fall for the credit repair scam use a reputable credit repair service!

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Raise Credit Score

September 25, 2010 5:00 pm Published by

Raise Credit Score

Credit Repair

Raise Credit Score

Credit repair means that you want to take steps to raise one’s credit score you have on your credit report. A good credit score means that creditors view you as a good risk to repay money you borrow. The higher your score, the more loans and lower interest rates you are likely to qualify for. If you have a low credit score, then you do need to consider ways of credit score repair.

What does your credit score mean? In order to raise one’s credit score, it is necessary to know what information the score is based on. One important factor is your payment history. If this is what is causing you to have a low credit score, then a simple way of repairing your credit score is to start paying all your bills before the due date.

What is considered a good credit score? Credit scores range from 375 to 900. Most people with good credit have a score around 600 to 650. If you have a score higher than 650, then you are in good financial shape when it comes to getting credit and you don?t have to worry about credit score repair. It is when you see your score below 550, then you must start taking steps to raise one’s credit score.

Credit score repair is not something that will happen after a month of paying your bills on time. It is something you have to work at and it could take six months or more for you to notice a raised credit score. Just keep the range of a good credit score in mind and work at paying your bills. No one can do this for you ? only you. Credit repair is certainly possible. If you are hampered by a low credit score, then begin the process of credit repair today.

To learn more about credit repair, please visit Credit Repair.

Fast Credit Repair

Resource: National Debt Relief Program supports the raise credit score effort.



Ways to Fix Credit

September 25, 2010 5:00 am Published by

Ways to Fix Credit

Many people are wondering how to repair their bad credit. It’s not easy for them to handle that problem. Your first instinct might be to file for bankruptcy when you’re in over your head. It’s not always the best solution. Really, it’s the solution of last resort. Here are some tips for credit repairing, when you’re done and the last derogatory marks have been amended or removed, the feeling of relief is one of the best feelings in the world. You should try it on your own. The feeling of having a perfect credit record is great!

First, you should work out a budget. You should sit down with all of your bills and work out a budget. It’s important for you to set aside what you need for rent, car payments, insurance and maintenance, utilities, groceries, etc, and determine how much you have left to throw at your debts. It’s a good way to stick to your budget very carefully while paying things off. But you should always remember you must be certain to leave yourself a little wiggle room for emergencies.

It’s a good way to get your credit reports to check out whether there are errors in your credit record. Recent legislation requires that all three major credit reporting agencies provide you with one free copy of your credit report each year. Print out several copies of each bureau’s report. Get yourself settled in with a highlighter and a package of post-it notes, and go over each report carefully to check for inaccuracies. Highlight any you find and stick a post-it in that spot explaining why it is wrong. If you have receipts to back it up, attach a copy of the receipt.

If there are errors in your credit report, you should go and dispute incorrect information, compose a letter to each agency explaining which information is incorrect, and ask them to either verify the information or delete the listing. Enclose a copy of the report with the mistake circled, highlighted or otherwise clearly indicated, as well as copies of any supporting documents. Go over each report and make a list of your small debts, and to whom they are owed. Rather than consolidate them, which will actually drag out the payment process your best choice is going to be to pay these off outright. You should make a list about small debts in order of priority and affordability. If you want to have a perfect credit, these small things will help you repair the credit record. Only in this way you could have a fantastic credit.

Fast Credit Repair

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Q&A: How do I fix credit score? ?

September 24, 2010 5:00 pm Published by

Question by silvergirl: How do I fix credit score? ?
What is the best and quickest way to fix my credit score? I plan on getting all 3 credit reports, and fixing errors. Also have items in collection due to divorce. What do I pay off 1st. Need new car and can afford monthly payment, but need to get into loan and do this 1st. Thanks in advance.

Fast Credit Repair
Best answer:

Answer by Reena
Go to www.annualcreditreport.com and get your credit reports for free from all major credit bureaus.
On their website you will find the forms to dispute any entries that are incorrect.
Do yourself a favor so… don’t dispute everything in sight but only things that aren’t yours.

Paying off delinquent accounts will not take them off your report but only add the remark “paid in full” etc. to the entry.
Your credit report is a reflection of your payment history and no parts of this history will be deleted just because you made good on old debt.

Eventually old debts that aren’t kept active will fall off your credit report within 5 to 7 years.

Stay current on your active accounts and make substantial payments, not just the min. payment, and keep your credit balances low.

To get a car I would suggest you save up a nice down payment amount – this might help. You can also try to get a car loan financed thru a credit union. It helps of course to be a member of a credit union and have an active account with them.

You won’t know where you are standing until you ask a lender to pre-approve you for a car loan. Don’t get suckered into a high interest loan from a car sales man… have the loan approval before you go car shopping. That way you can’t get scammed by high interest car loans financed by the dealer ship.

Add your own answer in the comments!



Guaranteed Way To Increase Credit Score

September 24, 2010 5:00 am Published by

www.raise-credit-score.net Guaranteed to increase your credit score. Unheard of in the credit repair business, This clean credit software is the best on the market and it’s cheap. Learn how easy it is to fix credit starting today.
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www.christhecreditguy.comRepair Bad Credit and Raise Credit Score. Free Online Video Series w credit expert Chris The Credit Guy. Fix credit score and fix bad credit and increase credit score. This video explains how to prepare and send your first dispute letter.
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