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Repair Credit Score

October 8, 2009 8:58 am Published by

Repair Credit Score

To repair credit scores you have to first get your credit report and find out what is on there that is hurting your credit score. Obviously, the accounts that you pay on time do not hurt your credit score and do not require repair. If you have collections, judgments, late payments, public records, and/or a bankruptcy, all these things are hurting your credit score. What do you need to do to repair the credit score?

Decide what to dispute with the credit bureaus. This is your first step after you get a copy of your credit report. You don’t need to be afraid to dispute everything that is hurting your score if you are not sure that all these items are reporting 100% accurately. Everything on your credit report is required to be 100% accurate and if it is not, you are allow to dispute it with the credit bureaus.

When you repair credit scores, you have to actually physically send the dispute letters to the credit bureaus and therefore you have to actually write the letters. This is what a credit repair company would do for you, but there is really no need to waste 00 using a credit repair company when you can write these letters on your own in a few hours. There is actually one website called CreditBlossom.com that will allow you to use software to write these letters for free. It also has full instructions about how to send out these letters to repair credit score.

In any case, if you decide that you want to do this all by yourself, you can get a letter template from the FTC’s website on credit repair. You can simply search ‘ftc credit repair’ on Google and it will be the first link. Read through that site as it is really an excellent guide to repair credit score.

Once you have that letter template, simply follow the instructions that the FTC gives you. However, if you want to dispute something that you are not sure is 100% accurate, but you don’t necessarily have proof of this, the letters you can get through CreditBlossom.com are much better suited to your needs and you can get them there.

Once you have created the letters for credit score repair, you will mail them out. Make sure you only dispute 1 to 3 items per letter. If you have multiple letters going to the same credit reporting agency, don’t send them all in the same envelope. Make sure you send them in separate envelopes and include enough current ID so the credit reporting agency knows it is definitely you sending the letters. The ID is typically a copy of your driver’s license, a copy of your social security card, and a copy of your utility bill. Make sure all the addresses match on these and that they are your correct address.

Fast Credit Repair

Want more information about the repair credit scores and also want to learn different things about repair credit scores then make sure visit at http://www.creditblossom.com.

www.ScoreMoreCredit.com – Credit expert, Brian Diez, reveals 10 common credit repair mistakes and how to avoid them. Free cd, free ebook, and free coaching call at www.ScoreMoreCredit.com.
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Video Rating: 4 / 5

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Raise Credit Score – Best Ways To Raise Your Credit Score

October 4, 2009 3:23 pm Published by

Raise Credit Score – Best Ways To Raise Your Credit Score

Many people are looking for ways to raise there credit score because after all having a good credit score is very beneficial. When you are looking for a loan you should have a high credit score so that you have the best chance you can to get a low interest loan. If you get into financial trouble or into debt then your credit score can suffer greatly form this. There are some things that you can do to raise your credit score and this is something you should follow to better improve your financial standing.

Find Free: Raise Credit Score Now

First you need to obtain a copy of your credit report so that you can check to see if there are any negative marks on it. If so then you can dispute those items with the credit agency and it is up to them to prove that those marks are valid. If the agency can not get confirmation within a 30 day period that in fact the negative items are accurate on your credit report then they by law must remove them.

You Can: Improve Your Credit Rating

Another great way to raise your credit rating is to always pay your credit card on time. We all get busy and sometimes we can forget to pay them on time but it is always better to never be late.

If you have large balances on your credit cards you need to work to pay these down because having a lot of high balances will keep your credit score low. One great way to do this is to pay extra payments on your bills each month and many people find extra money that they thought they did not have to pay this with.

Remember that raising your credit score is important and you should do something about it now. Get the help you need to raise your score today.

Fast Credit Repair

Bryan Burbank is an expert in the field of Finance and Credit Ratings.

Better credit leads to better interest rates and a raise in credit score. Learn about raising a credit score from aregistered financial consultant (RFC) in this free personal finance video. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
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Quick Credit Fix Blueprint – bad credit repair guide

October 3, 2009 2:28 pm Published by

Quick Credit Fix Blueprint – bad credit repair guide
Pays 75%. Credit restoration to quickly get the credit card, car, home mortgage, and personal loan – fix and restore credit. Plug your leads right into the automated sales machine – high conversions. Affiliate banners, tools and training…
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Quick Credit Fix Blueprint – bad credit repair guide

Fix Your Own Credit In 12 Months Or Less!
You can fix your own credit without spending money to the credit repair companies. This is a 12 month program, showing you all the tips and tricks of the credit repair process. Do it yourself, have a great credit profile within a year!
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Fix Your Own Credit In 12 Months Or Less!

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NO spammers! Im building a strategy too increase my fica credit rating and open credit card accts.. advice?

September 25, 2009 11:20 am Published by

Question by Big Lance!: NO spammers! Im building a strategy too increase my fica credit rating and open credit card accts.. advice?
I work from home and own a business, now that things are growing i plan on needing a line of credit etc.. i used too have 15 credit cards, department store, jewelry, furniture/visa/mastercard etc… i closed all of them 8yrs ago. that was a mistake as now i have had some spots on my credit and i cannot get credit etc.. i have operated off of debit cards for years now. i own a business and work at home so i have the time and home office too get organized and tackle all of my credit report issues and resolve them etc… i have paid off many auto loans ( installments) and revolving credit accts * credit cards. i have never screwed any lenders or businesses on any debits/loans etc…. the negative shit on my credit history is a 25 thousand dollar entry for medical bills that a guy sued me for in a fight. the reality is that i was a correction officer in a prison years ago and a felon was released after 4yrs. he recoginized me at a blockbuster video store and attacked me with a large chain. i reacted to defend myself and he ended up with over 25k in med bills and he sued me! lol.. a judgement was awarded as he purjured himself and his scumbag lawyer went after me for the amount. i refused and i will never pay a dime and somehow this judgement continually appears on my credit report. this issue has hurt my credit obviously, this judgement was in 1997. i have not heard from he or his scumbag lawyer. Im trying too simply fix my credit and raise my credit score and just qualify for some visa/mastercard etc…also eventually i would like too have a small business credit line and a credit card or 2. i have the option of pre paid secure card accounts thru my bank. i would like to start their and begin negotiating with the credit trw type places. please no spammers with overnight scams on credit repair. im simply seeking answers from those that have knowledge or experience/advice. I appreciate all answers and your time! thanks… do you guys know of a free credit report site that doesnt offer spam or sign ups or my debit card info etc… it seems that these sights want too pull you in and bill ya right away….. a free report helps me figure out where im at and then maybe i could pay for a service if that is necessary. IDEAS? OPINIONS?
why i was sued is irrelevant! i love that compliment by the poster that it doesnt make sense? REALLY? oj simpson being found not guilty makes no sense!

your comments, MAKE NO SENSE! how bout this, lets answer the question! and it has too do with credit!!!

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Best answer:

Answer by Onefish
You may be tubed on the judgment part. In many (but not all states of course), judgments tend to run for 10 years and can get extended by an additional 10 years. It sounds like yours was extended, so you will have that on your record at least until 2017–and it may stay on your credit for the 7 years or so after *that*.

So, with that in mind, your best bet for your business is to incorporate your business (if it is not already) and start trying to create business credit that is independent of you SSN. I would go to sites (or books) that can walk you through that process.

Overall, I think you are pushing water uphill to try and get credit leverage on your personal credit history with that judgment out there.

Addendum: I would be careful about the advice that after 7 years, things “fall off” your credit. That may be true for credit card activity, but that is not the case for judgments. I’ll give you a hard example: say the judgment is recorded in your county. You buy a house–and don’t pay off the judgment–and some bank actually give you a loan. Your judgment creditor could come in and try and execute against your house–and “strip” your bank of its position as a first/second on the mortgage/trust deed. (Assuming there’s enough equity to make an execution worthwhile). The *bank* would have to pay off the judgment creditor if it wanted to hold its position on your trust deed. No bank is going to stand for that…accordingly, there’s a good reason why judgments stay on your credit–even past 7 years. Statutes of limitations aren’t an issue–you presumably were already sued in the limitations period…and got a judgment against you.

Know better? Leave your own answer in the comments!



Raise Credit Score ? 3 Fast Ways

September 18, 2009 5:48 am Published by

Raise Credit Score ? 3 Fast Ways

It’s not uncommon to realize how important a clean credit history is until you go to apply for a loan, need to rent an apartment, or are denied for a job. Fortunately, there are a handful or good raise credit score techniques that can help you get approve for the loan you need. Don’t get discouraged and overwhelmed into think you have to higher a credit report repair professional.

Here are four raise credit score techniques that can work for you:

Reduce Your Available Credit to Debt Ratio: Obviously getting your credit card balances closer to zero will help you credit, but there’s a good reason for that. One of the largest factors when computing your FICO score is how much of the available credit that has been extended to you is being use. If, for example, you have a ,000 spending limit and you have a ,000 outstanding balance, you have used 50 percent of your available credit. Just by simply getting this ration below 30 percent will help you out tremendously.

Remove Erroneous Errors: It is common for your credit report to contain error on it. With the millions of information and data that the reporting agencies have to manage every day, it’s no wonder that credit reports are not completely accurate. Simply review your information and contact the appropriate agency to make the correct changes. According the Fair Credit Report Act, they are required by law to make those corrections or show substantial evidence that the information belongs on your report.

Keep Your Cards Open: One of the biggest mistakes people make when trying to use raise credit score techniques on their own is closing all of their credit cards. Your credit history is a very crucial part of calculating your score. When you close your credit cards, you erase any of that history from your background. By closing accounts you also reduce your available credit to debt ratio, so the best thing is to just keep them all open for now. The number of cards you have on file does not hurt your score. That is a myth.

Fast Credit Repair

Find out how your credit score compares to the national and get your quick credit fix. Download your credit score and reports for free at http://www.thecreditfix.info





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