How to Raise Your Credit Score.

“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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Does it hurt your FICO® score if you go to credit counseling?

January 17, 2011 · Posted in repair my credit · Comment 

Going to credit counseling doesnt hurt your FICO® score — as long as the agency pays your bills on time! Find out more in this video, where Darcy Sullivan and Craig Watts answer one of your questions about FICO® scores.

Duration : 0:2:24

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Credit Score Help | Credit Repair Help | Repair My Credit | West Palm Beach FLA

January 8, 2011 · Posted in repair my credit · Comment 

http://mycreditscorerepairhelp.com/ a short fast video touching on financial terms of credit score repair help and debt consolidation and elimination methods that can have financial solutions as a potential course of action, Visit the blog for further information and explanation of these possible solutions for you and tour family. Visit the site for more details in articles, videos and mp3 coming. Lake worth, boynton beach, delray, lantana, wellington, royal palm beach, north palm beach, palm beach gardens

Duration : 0:3:29

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NBC and Get Credit Healthy on credit repair and new credit card

December 31, 2010 · Posted in repair my credit · Comment 

http://www.getcredithealthy.com
877 850 3444

Get Credit Healthy in Just a Few Weeks
South Florida man ups credit score with new card

Ceasar Espanol wanted to do his best for his new wife Nicole but he was haunted by his past.

For the South Florida resident, there were times where he couldn’t afford to pay his monthly bills.

Espanol, a UPS driver now, has a good job, but those missed payments before prevented him from getting any credit, no credit cards, no loans.

“I couldn’t pay for my credit cards and just stopped paying for everything at once,” said Espanol.

Thousands across South Florida are now in the same boat as Espanol, due to foreclosures, short sales, and the loss of jobs.

Espanol turned to credit expert Elizabeth Karwowski and her firm, Get Credit Healthy.

“Credit is really a formula. To be able to get credit healthy, you need to understand the formula,” said Karwowski.

She said Espanol’s credit score was down in the low 500′s but she was still able to get him a credit card without a credit check.

“It wasn’t really too hard to get the credit card. You go online, fill out the information, they call you back to confirm everything and within two weeks, I got the card in the mail. It was simple,” explained Espanol.

Karwowski said the card can be used to shop anywhere and can be obtained with a credit limit between $300 and $2,000.

You do have to put money up in advance: the amount you want your credit limit to be.

“They do not pull your credit and it’s 100 percent approval guaranteed,” said Karwowski. “A secured credit card is where you have to put your own funds to secure that account. With a secured card although you are putting your own funds and the benefit is that you are rebuilding.”

Espanol got his credit score up more than 120 points and was actually able to get a loan for a new home for his new wife.

“Never did I think it was going to happen due to my credit history. And in a week or so they were able to get me credit.” Espanol said.

Karwowski says most people use their services less than five months. She says this card is open to anyone no matter what your score.

For more on how it can help you, go to GetCreditHealthy.com

Get credit healthy does charge a $200 start up fee and $100 per month.

First Published: Sep 27, 2010 3:29 PM EDT
(fix credit, credit repair, tenant credit check, NBC,)

Duration : 0:2:34

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H & I Credit Solutions – Credit Repair Client Experience

December 17, 2010 · Posted in repair my credit · Comment 

www.badcreditstoppers.com | Client experience with H & I Credit Solutions.

Duration : 0:2:27

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Free Credit Repair Video Series

December 10, 2010 · Posted in repair my credit · Comment 

http://www.creditrepairdispute.net Learn how to repair your credit with this free video series.

Duration : 0:1:2

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How fast can credit repair be done?

December 4, 2010 · Posted in repair my credit · 1 Comment 

I want to repair my credit quickly, like within 6-12 months have everything cleaned up and improved scores. Is this possible? How likely?
Thanks.

If you are looking the best way to improve your credit, check out this site

http://Best-Credit-Repair-Service.com

Here you’ll find the best system to repair your credit

Hope this help,

How to improve your credit – Can I repair my own credit

December 3, 2010 · Posted in repair my credit · Comment 

http://www.FreeCreditEbook.com
Download your free credit repair eBook on 20 Things you absolutely must know BEFORE you improve your credit & get out of debt.

You can repair your own credit just as
you can represent yourself in a court
of law or can do your own oil change.
The FCRA outlines the process for disputing
items on your credit report.

Duration : 0:1:11

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Repair My Credit Score

November 26, 2010 · Posted in repair my credit · Comment 

http://credit-reportrepair.net

Repair My Credit Score – 3 Best Strategies To Help Fix Your Credit

Duration : 0:4:7

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How can I succesfully repair my own credit ?

November 4, 2010 · Posted in repair my credit · 3 Comments 

Do credit repair companies work? I want to build or buy a house for my family .This is no joke , I have seven kids . So it’s very important that I get a good P.M.I. and a good interest rate or I’ll never be able to afford it. I make about 60k a year , but one of kids had to have 5 brain surgeries right after she was born and this ruined my wife and my credit . Any suggestions would be appreciated. Please , serious stuff only.

If you are looking the best way to improve your credit, check out this site

http://Best-Credit-Repair-Service.com

Here you’ll find the best system to repair your credit

Hope this help,

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