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 Repair Bad Credit


How to repair bad credit and increase your credit score

How to repair bad credit is easy with inside tips. Several services will claim to guarantee results when it comes to your scores. Some even tell you up front how to repair bad credit yourself, but what they don't tell you is that the odds of using an outside service getting positive results is very slim. Credit card basics tell us that bad credit history is a result of not being able to pay off debt and building credit is about not being desperate.

The reason for this is because the three major credit reporting agencies require proof of identity when a dispute is filed. If you can't produce copies of drivers license, social security card and a utility bill, they will not honor your collection dispute. Let them do their job with the consumer credit laws and do what you do best. Building credit and avoiding debt has to be part of your education in learning how to repair bad credit.

The fees for preforming these services, to basically write a dispute a letter is staggering. Thousands of dollars later, you will more than likely be in the same position as when you started. That's because these outside companies are not doing anything special. Everything they can do, you can also preform and you can do it for free.

I Want To Learn  How To Fix My Credit

This is what you want, right? In order to clean up credit report, you need to learn the basics of how credit files are constructed.  Look at your credit card bill and search for the maximum credit allowed on your statement. Let's take a round figure of $7500 as the maximum credit you are able to charge. Now, look at the amount you owe. Let's take another rounded figure and call if $6200. Now look at the interest rate. Is it 29% or is it lower?

Increase My Credit Score

If you want to raise your credit score, you must stay below the 30% threshold for used up credit. That means in our scenario above, you cannot charge more than $2250 on a credit card that has an allowable credit limit of $7500. By going over the 30% level, you are hurting your credit scores and are keeping them low. What do you do? If you have the money, pay this balance down. If you don't have the money, then consider one of the following:

  • Ask the credit card company to lower the interest rate so more of your payment will go toward the principle.
  • Consider shifting some of the balance to another card in order to stay below 30%

Clean Up Credit Report

Another consideration with improved credit scores is the accounts you have. How old are they? Is this new credit or do these accounts have some years on them? Obvious to the lenders is that accounts that are old have a much better feel to them. There is history and a repeated habit of payments making lenders more comfortable with their decision to offer credit. Don't close these old accounts. In spite of the fact that you rarely use them and you may even pay an annual fee each year for them to sit in your wallet. Lenders view this as stable and in a positive light when it comes to extending credit lines.

Credit Report Repair

High among the things to do is to pay your bills on time. Even better is if you pay your accounts early. Early? yes, this is correct. Paying early has a double effect, first it looks better on your credit file and it also saves you money. Remember that you are not paying them your money. You are repaying money you borrowed. It is not your money in the first place. You exchanged the charging privilege for consumer goods or something else.

Professional Credit Repair Software Tool

New for the past 5 years we have available some of the most sophisticated credit software programs ever created. Finally, you get to see what the lenders see. Most are available in an easy to read format, your credit profile is there before your eyes. In an easy to read format are the problem accounts and this is in language you can understand. In fact, a fifth grade student could understand credit when it it explained in this manner.

Learning how to repair bad credit is as simple as learning what makes up your credit report. How to repair bad credit is not hard and not something you need to hire an outside service to help you with. You may start the rebuilding process with a bad credit loan or even bad credit cards, but you can increase credit scores if you stay with it and learn proper techniques. Start today and learn how to repair bad credit.

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  • I’m Ready To Clean Up Credit Report | Free Saving Money Tips
September 2, 2010
  • Charge-Offs On My Credit « Improve Your Credit Score

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