Raise Credit Score

raise-credit-scoreRaise credit score. If your goal is to raise credit score, this site is all you will need to get on the road to financial recovery. Either with credit repair software or if you want to DIY credit repair, we have all the answers. You will learn how to improve your credit score from trusted experts.

Raise Credit Score Fast

Get exact information on how to raise credit score fast. Stop listening to people who don't know what they are talking about. This can get you into trouble. We are credit experts who know how credit bureau's work. Do you want to increase credit scores yourself? If so, we have all you need to raise credit score fast!

Increase Credit Score

Learn how to fix credit and increase credit score with advanced credit repair solutions. No need to pay huge money when you can do it yourself. Today's advanced credit repair software allows you to see what lenders see. Look at your credit report from the eyes of a professional. We show you how it's done.

How To Fix Credit


How to fix credit-do you want to learn?

Learn how to fix credit by understanding that credit is a dynamic action instead of static. This is good news in discovering how to fix credit is that there is a chance each day that your scores will improve. Dynamic credit reports are alive, this means that these credit scores are changing every day. How you pay your bills and what your spending habits are primarily what calculates credit scores. Increasing consumer information is the first step to learning how to fix credit.

This means that if you want to learn how to repair bad credit, you can do so and you can achieve this goal very easily. Many people tell me there is no hope for them-that their credit files are damaged for life, but this is not true. All you have to do is to pay attention to your spending habits as well as how you pay your bills each month. Especially watch for credit card forgery and unauthorized purchases. If you see any of this dispute bad credit immediately with a formal letter.

Pay close attention to the amount of debt you carry. If you want to clean up credit report, you have to know what your balances and payoff amounts are. This is important, but only critical when you also calculate the available credit figure. Here is an example.

If your credit card has an available credit balance of $10,000 and you have spent $2800, then your ratio of credit used to credit available is 28%. This is good because anything under 30% is considered safe by the credit reporting agencies. Likewise, if you are over that percentage, your scores will be affected by your inability to pay down debt. This is only one of the causes of being denied credit and if you have ever seen that small print that claims you have too much debt, this is what it is all about. This is a good place to start to learn how to fix credit.

If you can, pay down all your credit card debt to reflect balances under 30%. This may require that you shift debt from one credit card to another. You may also have to tap credit lines to reduce this debt and in extreme cases you might have to ask the credit card companies for a debt settlement plan.

Another aspect of learning how to fix credit is with plastic. Credit card forgiveness or debt settlement is an option where, in critical situations, the credit card lender will accept less than what is owed to them. You may not think this is a viable option, but it occurs everyday and many times individual debtors can pay as little as 20% of the balance of their outstanding debt. Of course, this is not without penalties or other obstacles. If you enter into this type of agreement and are successful in paying less to settle your debt, understand that you will be responsible for income taxes on the forgiven debt.

The IRS considers this to be a gift and they expect you to pay your normal taxes on the gift received. Consult an attorney or tax consultant if you want to embark on this journey.

One favorable outcome of settling outstanding debt will answer your questions of how to fix credit for good. If you settle your debt, you are already on a credit report repair program because your scores will improve immediately. See what I mean about credit being dynamic? If your debt is gone and the lender is reporting that you have settled your account, you no longer will be carrying this huge balance on your financial portfolio, so naturally your increase in credit score will be obvious.

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