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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Self Help Credit Repair – How to remove inquiries – Delete an Inquiry

September 8, 2010 · Posted in Fast credit repair · Comment

http://www.AttractiveCredit.com – http://www.attractivecreditsecrets.com call 800-605-9085 for FREE consultation.

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Self Help Credit Repair – How to remove inquiries – Delete an Inquiry

Duration : 0:2:42

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Improve Credit Score

August 9, 2010 · Posted in repair my credit · Comment

http://improveyourscore.org Who Else Wants to Know How I Raised My Credit Score Over 200 Points by Downloading Credit Repair Magic?

Duration : 0:10:0

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Dipsute Credit Reports – Don’t Use Credit Repair Law Firms

May 7, 2010 · Posted in dispute credit · Comment

See why http://www.creditsolutionrepair.com is the best system for solving your credit problems and why YOU shouldn’t waste time and money on credit repair law firms or other credit services online. Our System is cost saving and very effective. Many people don’t this but you end up doing more work when working with a credit law firm when trying to restore your credit and on top of that they charge a monthly fee and there is no guarantee that you will get your credit issue resolved.

Duration : 0:5:36

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Strategies to Better Credit: The Cycle of Debt

April 12, 2010 · Posted in Fix my credit · 1 Comment

For more information, please visit us at: http://triumphcreditadvance.org/

Triumph Advocacy Group presents Strategies to Better Credit with Francesca M. Brooks, Attorney at Law. With so much information about the changing credit industry, Triumph is here to set the record straight. As a consumer advocate, Triumph will inform you of your rights as a consumer, how you can better manage your finances, and ways to start improving your credit.

This week, we have the “Cycle of Debt” Learn about how you are being kept in a vicious cycle of debt, and ways to break out of the cycle.

Check back soon for more credit tips and insight about the credit industry!

For more information, please visit us at http://triumphcreditadvance.org/

Duration : 0:2:24

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Repair Bad Credit – Raise Credit Score – Chris The Credit Guy – Disputing Collections

December 7, 2009 · Posted in Bad Credit Repair · Comment

http://www.christhecreditguy.com Repair Bad Credit and Raise Credit Score. Free Online Video Series w/ credit expert Chris The Credit Guy. Fix credit score and fix bad credit and increase credit score. This video explains how to dispute collections.