“How to Absolutely, Positively Raise your Credit Score by as Much as 157 Points in 60 Days.”
Don’t Pay a Dime for a Credit Repair Service until you read this
Hi, I’m Rob Kosberg, a credit and loan consultant with 20 years experience and over a thousand satisfied clients, but honestly, who cares about that. I only mention it because of the fly by night credit repair companies that are giving us all a bad name. You may have even lost money to one of them already!
It has never been more important to have excellent credit and regardless of the mess you’re in now it can be “cleaned up”. Here’s some basics to get you started but make sure that you check back here for additional information I will be posting.
Credit Scoring Basics
Credit scoring has become vital to the functioning of our financial system, and with all the current turmoil on Wall street it is more important than ever for you to understand how it works. If you understand how the system works, after all, you can make it work to your advantage.
If you have not gotten your credit reports yet you can obtain your free reports at annualcreditreport.com. They will not require you to sign up for a monthly monitoring service and you can get all 3 bureaus. I am not affiliated with them in any way but I recommend them because they really are FREE.
Once you get your tri-merge report there are a couple things to be aware of. Here are some basic pointers for you:
Use your Credit: If you don’t use credit, then how can the credit agencies assign you a credit score? Spend $50 monthly on your credit cards and then pay it in full to maximize your score.
30% is Just Right: Having your credit card balances at or below 30 percent of their limits shows an ability to manage credit well. If you have one card maxed out and credit availability on other cards then consider paying down the maxed card by spreading out your credit card debt among the others.
Credit History is Key: Never, never, never close unused credit cards. It amazes me how many people think that by closing them they will raise their score but in reality it does the exact opposite.
Be on Time: The credit bureaus expect you to pay on time and will penalize you considerably if you are not. At 35 percent, this is the largest component of your credit score.
Some of these things you can do immediately to raise your credit score quickly but most of the credit scoring basics are meant to give you the information you need to maintain good credit health as you move forward. If you need to repair or reform your credit I will discuss things you can begin doing immediately in tomorrows issue.
**At any time you can outsource the work to our firm. Our staff of advisers and consultants will work for you to clear up your credit 100% Guaranteed! Our average client has over 45% of all their derogatory credit cleared off in as little as 45-60 days – charge offs, liens, bankruptcies, and collections!
Go to www.yourcfs.com to sign up now, or call me for a no obligation consultation- 888.488.6634
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Im going to be disputing a charge on my credit card for $850 because someone never sent me the domain name I bought from them online. This is a large amount and I need to make sure I win this case so how can I make sure I get the money back? I have heard that if you say you did not authorize the charge you get the money back no matter what. Should I just do this?
no, you should not claim fraud on it. They will look into it, notice you did do business with that merchant and place it back on ur acct. call your bank and let them know you want to dispute a charge, let them know you did business with the merchant but never received the goods. The bank will issue you credit and call the bank to see what is going on. They will try to get the money back from the merchant or just take the loss. If you claim fraud it will prolong ur chance of getting this settled.
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Learn more here http://bit.ly/eK6qM2
Credit Repair Magic Will Fix Your Credit Faster than Any Other Credit Repair System at Any Price. . . Guaranteed
This Credit Repair Magic will produce a higher credit score than any other credit repair method–and in less time–or you get 100% of your money back!
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http://www.disputelauncher.com Credit Repair Software Customer Testimonial.
This software will take the guesswork out of credit disputing and help you generate your credit disputes with ease!
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Copy & Paste Credit Dispute Letter Tutorial.mp4
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http://www.instantcreditrepairletters.com Learn why the Free or Sample Credit Report Dispute Letters Will Not Work.
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http://improveyourscore.org/equifax-credit-dispute/ Equifax Credit Dispute – this includes mailing a letter to the Equifax credit reporting company or using their online form for filing disputes. The fcra gives 30 days for xxx to look into the Equifax dispute claim and come to a conclusion on the situation. You will next receive the written results and a free edition of your credit report if any changes have been made.
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How to Write a Credit Repair Dispute
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Another Happy Camper! She said our software was so easy she had her 7 year old little brother do it for her! That’s funny. Check it out and then visit http://www.disputelauncher.com/
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