FICO Credit Score

• Get copy of your report and scores
• Get a copy of our credit repair letters and send in
• Look for accounts that you share and dispute these
• Send all mail certified return receipt required
• Count 30 days and follow up with credit bureaus

Credit reports are full of reporting errors. Most people never check their credit report, even though most consumers are entitled to 1 free credit report each year. A free credit report will not include credit scores. You will have to pay for these.

• Increase Credit Score-get copies of your credit report
• Raise Credit Score- reduce the ratio of credit available to credit used
• You must have credit to demonstrate your ability to pay-use secure credit cards
• You have to practice the use of the right type of credit-no jewelry stores
• You must remove all errors relating to your credit file-credit repair software
• You must re-establish credit.Consider a secure credit card.
• You must use a sample dispute letter to clean up credit report.
• You must follow up 30 days after every dispute letter.Make them verify your accounts.

• Never spend more than 29% of your credit limit
• Never buy jewelry store purchases on credit
• Never just pay the minimum on your credit cards
• Never co-sign-70% of applicants default & you pay

Loans and credit will eventually hurt your credit if not managed properly. Many people will do fine when the economy is good, but when money dries up and jobs become scarce, the income level for many families also drops. This is when people get into trouble.
Credit card balances are calculated on a daily amortization rate. This is why it is smart to pay these types of bills early. Every day there is an outstanding balance on your credit card means you wake up behind. You start the day with a growing debt and the following day, interest is piled upon interest. This is what is so bad about credit cards.