How to Get Fast Credit Repair » Fix my credit

How to Raise Your Credit Score.

admin — Sun, 01 Feb 2009 06:00:59 +0000

“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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Part Two Credit Builder Loan

admin — Mon, 17 Jan 2011 10:46:15 +0000

Learn on powerful way to build or rebuild your credit after foreclosure and bankruptcy.

Duration : 0:4:9

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A Credit Education Video (Debt Elimination)

admin — Sat, 08 Jan 2011 19:40:57 +0000

GotMyCreditBack.com Helping consumers take action on their credit. Not a repair shop. Part of a consumer advocacy alliance,1 of a few 100% legal credit restoration groups
Debt Elimination

Duration : 0:8:35

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How do i fix my credit? It’s been awful for years and I have no idea why?

admin — Sat, 01 Jan 2011 15:14:22 +0000

Im 27 yrs old and i’ve been making it just fine with terrible credit, but I want to fix the problem. About 2 years ago, i found out i had something on my credit from Sprint. I’ve never had a sprint account, or anything like that. How do i go about fixing this issue?

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – buildcredit.ifastnet.com

Credit Repair Exposed – Get a 700 Credit Score

admin — Sat, 01 Jan 2011 02:07:23 +0000

http://www.ScoreMoreCredit.com – Andrew Watso needed to repair his credit score to qualify for a home saving refinance. Hear how his credit score improved almost 100 points in just 45 days earning him a 700 credit score.

Duration : 0:1:27

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I Move On (Sintel’s Song)

admin — Fri, 24 Dec 2010 16:00:18 +0000

OFFICIAL SOUNDTRACK NOW RELEASED. Head to http://www.sintel.org/news/complete-score-available-for-download/

I´ll keep this video up here anyway, for sentimental reasons

=====

Soundtrack from “Sintel” Short Movie, by the Durian Open Movie Project.
Composed by Jan Morgenstern, Lyrics by Esther Wouda, performed by Helena Fix.
All Credits go to the Composer/Writer/Performer(s) and the Durian Team.

Noise in the first 20 secs is from Movie, wait for the Soundtrack to be released (hopefully) to hear a clean version

Lyrics (pretty official, seem to be correct now, according to the original Writer!):
Come take my journey into night
Come be my shadow, walk at my side
And when you see all that i have seen
Can you tell me love from pride?

I have been waiting all this time
For one to wake me, one to call mine
So when you´re near all that you hold dear
Do you fear what you will find?

As the dawn breaks through the night
I move on forever longing for the home
I found in your eyes.

I will be listening for the drum
To call me over, far away from
My tender youth and the very truth
Showing me what i’ve become.

As the dawn breaks through the night
I move on forever longing for the home
I found in your eyes
Your voice saw me through the night.

Sintel: http://www.sintel.org/wp-content/content/download.html
Youtube Version: http://www.youtube.com/watch?v=eRsGyueVLvQ
Soundtrack Download: http://www.megaupload.com/?d=OBE3TDBO

Many thanks to the Durian Team, for this marvellous piece of art!

Duration : 0:2:48

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Excellent Service Low Rates! (Credit Repair Companies)

admin — Fri, 24 Dec 2010 14:46:14 +0000

http://www.brukcredit.com

888-643-7273

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Duration : 0:2:2

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who can help me fix my credit report?

admin — Sat, 18 Dec 2010 11:22:10 +0000

Click the link below

Credit Repair Uncensored Part 2 – Fix and Repair Your Own Credit

admin — Fri, 17 Dec 2010 16:53:47 +0000

America’s favorite credit diva, Lachelle Paul reveals the strategies and techniques you need to clean up your credit and raise your credit score: http://www.creditrepairuncensored.com

Duration : 0:6:1

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Who do I go to for advisement to fix my credit?

admin — Sat, 04 Dec 2010 08:11:05 +0000

I have horrible credit and I want to fix it. I have a stable enough income to start making payments on my debts but I don’t know who to go to for advisement. I am young and have no idea where to start. I want to consolidate it to one if possible and eliminate/negotiate the stuff that is on there from years and years ago.

Thanks.

Do not pay anyone to "fix your credit". It’s a waste. Do not even think about consolidating. You will do more harm than good to your credit.

First, paying off derogatory items will not improve your score. The damage is done and will remain for the balance of the 7 year reporting period, whether paid, settled, or unpaid. With this in mind, you might want to just let anything close to the 7 year mark, just age off.

Get a copy of your credit report (AnnualCreditReport.com). Start with the newest negative and work back to the oldest. Negotiate settlement one at a time. You should be able to settle for 25% to 50%, depending on how old the default. Lump sum getst the best deals. Payment plans must be short term. Get any settlement agreement in writing and do not give the collector direct access to your bank account.

You will still need at least 24 months of consistent, on time payment history to improve your score. Establishing good payment history is actually much more important than paying off the defaulted debts. If you don’t have an open, active line of credit, get a credit card, even if you have to get a secured card. Use the card and pay the balance in full every month. In about a year, you should be able to get a regular credit card and/or convert the secured card to a regular account.