“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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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.ncacreditrepair.com don’t waste your money and time with a credit repair company. Learn how to quickly and effectively repair your own credit fast. Our online self credit repair program uses video tutorials to give you step-by-step instruction to repair credit fast and improve your credit scores. Check us out today!
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Self Help Credit Repair – How to remove inquiries – Delete an Inquiry
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http://www.legalcreditcomeback.com/boost-credit-score.html Learn how to erase bad credit and increase your credit score to improve credit rating. Use one of the most effective and affordable credit repair companies guaranteed. Avoid credit repair scams. Distributed by Tubemogul.
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Fix Your Credit Faster than Any Other Credit Repair System at Any Price. . . Guaranteed
There can only be one BEST — and this is it.
Is credit repair legal?
Absolutely. You are entitle to this process under the Fair Credit Reporting Act. Nothing you do as part of this program can be considered illegal. It’s your right!
Is it really possible to remove negative items from my credit report?
Certainly. Millions have done it and so can you. We have seen the proof thousands of times, so you can rest assured that success is not only possible, it’s likely.
What kind of items can be removed from my credit report?
Anything can be removed, including bankruptcies, foreclosures, late payments, collections, etc. If the bureaus are unable to validate the accuracy of these items, then they are required to remove them.
What is a credit inquiry?
When a creditor (like a mortgage or credit card company) wants to check your credit, they will “inquire” with the credit bureaus. The resulting inquiry can actually negatively affect your credit score for a short time, but not by very much. If a creditor pulls your report without your consent (like to make a special offer) or if you pull your report yourself, the inquiry doesn’t count against you.
How much money can I expect to save by improving my credit?
Higher credit scores can help you qualify for low refinance rates on your mortgage and reduced rates on credit cards. If you have an average amount of debt and improve your score from, say, 610 to 720, you could save as much as $350 to $450 per month. Over a lifetime, that could add up to tens of thousands of dollars.
What is a good credit score?
To qualify for the best rates and terms on a home mortgage, you will need at least a 680 or higher. Many lenders give their best rates to those with a 740 or better. For credit cards and car loans, you should probably qualify for the best rates with anything over a 640, though some lenders make special offers for those with over a 700 score. Anything below 620 will put you in the “sub-prime” category for home mortgages (meaning you’ll pay higher fees and get a higher rate). If you have less than a 600 score, you probably won’t get approved for most unsecured credit cards. Your goal should be a 770 score. We have yet to see a lender who would not give their best rates and terms to a person with that score.
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http://www.squidoo.com/guide_to_credit_repair. An Attorneys Guide to Credit Repair shows you how to add up to 257 points, or more, to your FICO Score, in 90 days or less, using a proven 3-step formula.
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Scam Alert! Scam Alert! Useful tips and warning signs about credit repair services. Credit repair companies are making a fortune on their flashy websites and web of lies. Don’t be fooled! Provided by All American Credit Services, www.allamericancredit.net.
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Fix my credit DVD.com Credit Repair is guaranteed to raise your credit score or your money back.
Includes an instructional DVD and a Data disc with everything need to fix your credit.
Get all 3 of your credit reports FREE! No monthly fees or additional cost.
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