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Free Credit Report – Watch Out for Scams
Many people may still not be aware of an amendment to the Fair Credit Reporting Act (FCRA) that Congress passed last year. This amendment allows U.S. citizens to receive a copy of their credit report, for free, once per year. The plan is being...
Get A Credit Card With A Low Interest Rate
Before you choose a credit card it would be wise to first find
out the interest rates offered by all the credit card companies
and banks. While you compare credit card companies and banks,
take note of the ones with low interest rates and offer...
Getting the Loan You Need with Adverse Credit
For those individuals who have had credit problems in the past,
getting a loan for something that they need can seem like a
nearly impossible dream. After all, what lender is going to give
money to someone that's had problems repaying loans or...
How to Find Bad Credit Loans UK
Bad credit loans UK can sometimes prove quite difficult to find, especially for those individuals who need the loan money quickly so as to cover various expenses or to repay debts.
Should you be one of the many individuals who are in the market for...
You can still remortgage even with bad credit!
If you wish to organise a bad credit remortgage, don’t just head automatically for a specialist.... A good mortgage company will adjust its lending criteria to suit the times, thus lenders are constantly evolving to suit the remortgage UK market....
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3 Ways to Improve Your Credit Score by 50 Points In Less Than 30 Days.
“What can you do to increase that set of three numbers on your credit report that can be so important with your financing? “
I came across this question as I was surfing discussion groups the other day. Check out my answer:
Dear Friend,
Here are 3 steps I used to take my credit score from 592 (horrible credit) to 762 (perfect credit) almost overnight. If you’re interested in improving your credit rating quickly, you’ll find this story helpful:
In 1995 I made a decision that would ruin my perfect credit history. I quit my salary job to become an insurance salesman. The job paid commission only. Within a few months I lost everything – house, car, credit rating and my self respect.
By the end of 1996 I was living with my mom, all my credit accounts were severely past due, and I was paying 22% interest on a broke-down green Geo Storm…I was a real loser.
Then, in 1997, I became a banker. I didn’t know it at the time, but this would turn out to be the break I needed to eliminate my credit problems forever.
During my seven years as a banker, I came across several legal and highly effective ways to improve my credit rating. As a result, I was able to increase my credit scores by an average of 170 points.
Here’s what I did:
Step #1: After spending hundreds of dollars on credit repair services that didn’t work, I found out how to get negative accounts removed on my own.
Basically, I wrote letters to the collection agencies
requesting proof that the accounts were mine. 89% of the time they had no proof that the bad accounts belonged to me. So I was able to get them deleted from my credit file.
Step #2: I opened new accounts with high credit limits and kept the balances low.
I discovered that if you keep your available credit limits high and only use 10% to 30% of the credit you have available, your credit score will improve dramatically.
Step #3: Next, I added accounts with years of perfect payment history to my credit file. This step took my credit score from 647 to 762.
While you can certainly add seasoned accounts to your credit file for free, there are companies that claim they can do it for a fee.
The problem is, they charge between $2,000 and $2,500 per account. If you want a 700+ credit score you’ll need 3 to 4 of these accounts. That equates to a cost of $6,000 to $10,000.
(You can conduct a search on your favorite search engine for companies that offer this service.)
While there are several highly effective steps you can take to increase your credit scores by as much as 200 points, these are the main ones…And here’s the good news: Each step can be completed in less than 30 days.
About the Author
By Hartley W. Pinn, Jr, CEO, AtBalanceCreditRepair.com Revealing the insider credit secrets you can use to increase your credit scores by up to 200 Points.
For more information please visit: www.AtBalanceCreditRepair.com/credit/8
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Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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AnnualCreditReport |
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Springboard - Non-Profit Consumer Credit Management |
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myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
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Credit referencing and consumer targeting for the USA and other countries. |
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Credit (finance) - Wikipedia, the free encyclopedia |
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The National Foundation for Credit Counseling |
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FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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CUNA: The Credit Union National Association |
News and resource directory about credit unions. |
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Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
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