Question by ¸.•*´`*? ?Lenka? ?*´`*•.¸: How to raise credit score in 8 months in order to buy home? Fast Credit Repair Answer by Bailey D Add your own answer in the comments!
I filed for bankruptcy in 2007, my current credit score is 640. How can I raise my credit score before purchasing a home?
Best answer:
f-r-e-e that spells free, credit report dot com baby.
This incredibly informative and timely DVD explains what credit is, how credit scores are calculated, how to obtain your free credit report, how to spot and fix mistakes in your credit report and, perhaps most importantly, simple steps you can take to improve your credit score whether your score is in the 400s, 500s, 600s or even 700s or if you have no credit history at all! The DVD was written and produced by two attorneys with years of experience advising clients on credit issues. Learn how
Rating: List Price: $ 39.99 Price: $ 28.00
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Repair Credit Report – Tired of Being Hindered by Bad Credibility? Repair Your Credit Report Here How can a poor credit report push you to frustration? Well, when each and every financial solution will be closed. Due to your poor credit rating, it will be impossible to repair your report. The problem can be solved only when the problem is solved. Frustrating? Definitely. The vicious cycle can become very irritating. You will be forced to settle for a less attractive job because your report did not support your claim of being disciplined and committed. You probably are postponing your girlfriend’s request to meet her parents primarily because you have a very poor report. If you get scared every time your car breaks down, it is probably because you cannot afford even a used car loan. You will not be in a position to plan your finances because your poor credit report will ensure no lender even contemplates a transaction until you repair credit report. In such a scenario, to even think or consider long term financial plans may seems like a joke. The first step that you should take is to find out ways and means to repair report as early as possible. Once you have the various options in your hand, you should proceed to check and identify the best possible one. Once you have compared and analyzed the options and identified the best possible one around, you should deal with a professional and repair report effectively. As a negative credit report leads to a vicious cycle that is very difficult to overcome, a positive credit report too will lead to benefits. A positive report will lead to a positive cycle. Any and every improvement in your report will lead to an improvement in your financial options. You will find that lenders are prepared to negotiate. You will find that your interest rate comes down. You will discover that your down payment requirement is not very high. Considering all this, you can easily work towards the goal of improving your credit report even further. As your score improves, you will find that it is easier to repair credit report. Considering all options, you should not postpone your visit to the professional by even a single day. If they do not have time, make use of online resources board contact the professionals as early as possible. Have a free consultation session so that you will get an idea where you stand and how good the credit repair professional happens to be. Many find themselves wanting credit report repair for a credit score of 700+, but don’t know what is necessary to achieve this goal. Disputing negative items on your credit report can be the first step to boosting your score. Negative items on a credit report must be validated, and those that aren’t must be removed. The end result is a credit report repair for the consumer. For more information on legal and efficient ways to repair credit, visit the following link: Rose Graham has been involved in the public sector, helping consumers rebuild their financial well being for the better portion of her working life. Find More Repairing Credit Articles
Raise Credit Score
Fix Credit Rating – Save your Credit From These Common Major Mistake To fix credit rating there are some minor movements that seem like a good idea and a logical thing to do that end up dropping your credit score and leave you puzzled as to what happened. The three points below are common occurrences, I know, it happened to me when I started to work on finding a fix to my credit rating. To fix credit rating you’ll have to dispute some of the items you find on the report. Its common to have easy fixes. For example, having the creditor report your account in the best way possible for your score is one way to fix the credit rating. Many times they simple report an account as paid. Instead of paid as agreed. Paid as agreed, gives you slightly higher points, about 4 to 6 more points. Multiply this by a few accounts and were talking about 15 to 18 points. If you’re looking to fix credit rating for something specific, for example buy a home or a car. Don’t make the common mistake of closing any accounts. Closing accounts is one of the single most damaging moves you can do to your credit. At times we figure “well, if I don’t have that debt. It’ll look better when I shop around.” Wrong. Closing accounts cuts your total available credit and credit history. Here’s an example. Let’s say you got your first credit card at 18 and you were the most exemplary borrower ever and you are now 28 with the same credit card. Ten years of payments on time would have earned you a higher credit limit, lets assume 10,000. Now let’s say that you got an awesome offer from some bank that said you can transfer your current 1,000 balance at your current credit company, to them and have zero interest for 2 years. The new company is going to issue you a new card with a 2,000 dollar limit to start. Sounds good and it is, if you do it and leave the original credit card open. If you transfer and close your account with your first creditor you will have lost ten years of credit history and your total available credit would be at 50% of its max. Giving you to high a ratio, if you leave things as they are you would have only 10% of your credit used. See the difference. Not to mention all the years you would lose. This happens to often and people don’t see why it’s negative. Another, common fix credit rating miss conception is to pay collections that have been lingering around for a couple of years. You know the ones you know are there. They aren’t high and they’re now telling you they’ll take 35% of what the total is. Paying it of is good. Not getting a deletion letter is not. It reflects negatively when you pay because it brings the collection back current. As the collection ages its negative effect diminishes. When you pay it, it’s brought back to life, giving you again the opposite effect. If you’re paying it off to make a credit purchase you’re going to be very surprised when you notice your credit score lower instead of higher. Those are a few of the pointers I picked up from working on my credit recently. Hope they help. Credit repair techniques change. Using the most current techniques to dispute correctly has worked well for me. I understand my credit now and strongly recommend consumers understand this critical aspect of their financial life. There’s a lot of information out there. Below is what helped me the most.
Credit Repair Reviews
How to clean credit up.
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Copyright 2010 Rene C. Alexander.
What Are the Most Common Myths About Fixing Credit? In today’s economy many of people are facing financial difficulties. Many of us lost jobs and live on savings and sometimes it is hard to make our ends meet. People late on payments, foreclose on houses and file for bankruptcy. This hurts credit history reports, leave negative marks on the credit history and lower credit score.
Today many people are looking for tips how to restore their credit report and what important is that they want to do it for free. Free credit repair is possible and not that hard, but there are many myths and misstatements about it.
Here are most common credit repair myths you’ll come across.
Credit repair is very hard task.
Fixing your credit is not that difficult and in fact, once you have the right information, it is very easy! By following easy steps you can improve credit report yourself.
Fixing credit is a quick process.
You can’t fix your credit overnight – but, you can improve it within a couple weeks. In many case people were able to improve their credit score within days.
Checking own credit history will hurt your score.
Credit reports are always accurate.
Almost half of all credit reports contain some un-true information! Mistake are very common and getting those mistake fixed or removed from your credit history will improve your score.
You need an attorney to fix credit report.
You don’t need to waste your money on a credit repair services or an attorney – you can do it yourself! Lawyers and credit repair companies charge huge fees for what can be done without their help. You just need right information and tools.
Some credit is so bad that it cannot be repaired.
Anyone can fix their credit score – regardless of what has happened in the past. It doesn’t matter how bad your credit history is because any credit can be improved.
Marriage and credit score.
Another popular myth about credit repair is that getting married can hurt your credit score if your new spouse has bad credit. In reality each person’s credit score is independent – even if they are married.
You can’t stop collection phone calls.
Debt collectors have laws governing them and you have rights as well. Using a simple letter can stop all harassing calls from collection agencies.
As you can see there are many credit repair myths that stop people from good credit score. Credit repair process is not hard and can be easily done by you. All you need is right tools and information. There are many credit repair sources online you can use to fix your report and there is no charge to use them. You can find great sources with credit repair information, sample dispute letters you can use to remove negative information from your credit. Hundreds of people have restored their credit without lawyers and credit repair companies, so can you! To learn how to fix credit for free visit website http://www.credit-fix-secrets.com to learn what easy steps you need to make to fix your credit report. Related Fixing Credit Articles
The truth of a matter is that checking your own credit report will NOT count against you at all! That’s why it is important to get your report before you start fixing your credit.
Senay Ataselim-Yilmaz, Chief Operating Officer, Turkish Philanthropy Funds, writes that philanthropy often solves the very problems that stems from market failure. Some social issues, however, cannot be tackled by questioning the return on investment.
