Liberty Credit Repair

It should be against the law since everyone must carry car insurance. Also, what does my low credit score got to with my great driving record? Sounds like another reason to raise rates because most credit scores are low across the board. If someone pays their insurance company on time and has a good driving record should be their only concerns. Doesn’t that make sense to raise car insurance rates to persons that had a hard time paying a bill, bit made all their car insurance payments on time.

It will take a few years but some states have passed laws that ban the companies from using credit in their equations. In a few years we will see if their new ‘equations’ work as well as the equations that have credit in them. If they do, then many states will be passing laws to ban credit use

Here is some more detailed info about it -

http://carquotes.fateback.com

Hope that helps.

I am currently enrolled in Experian credit monitoring. I signed up to get all 3 scores from TransUnion just to see if there was a difference and there is! My score on the Experian site is 75 points higher than the one TransUnion shows as my Experian score. How can that be?? Shouldn’t they be the same?

Because each of the credit bureaus has different information on their reports. Therefore, there will be some variation in the score with each of the 3 bureaus.

Bad Credit Score? Build a Good Credit Score Fast and Fix Your Bad Credit: http://CreditAmbassador.com

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I need to get an apartment ASAP but last I checked my credit score was 615. I recently consolidated my student loans (I’m still in college) and was told that would help it. What does my credit score need to be in order for me to get an apartment?

It depends on the landlord. Some require a certain score (usually around 620) others just look at your report to make sure you dont have tons of PAST DUE accounts or prior evictions.

You should be OK.

I have credit score of around 210. I have unsecure debt of $85,000 with $0 income. I have been delinquent since 2008 and changed my phone number 3 times. And i’m getting sued by several creditors and my bank accounts are shut too.

Now that filing is just around the corner, how much lower can the credit score fall?

You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments – credit-report-free.totalh.com

I have an excellent credit score @ 774, but only Experian is reporting a score for me. How do I get Equifax and Trans Union to report also?

Call them and ask them to. Yes it is that easy.

Make sure you download your free eBook at http://www.RaiseYourCreditToday.com to learn what the banks don’t want you to know. Philip Tirone from 720 Credit Score, The Credit Card Score, and The Bankruptcy Facts goes undercover to figure out how to build credit score. This is the fastest way to build credit fast, specifically around your credit card score and key bankruptcy facts. http://www.720CreditScore.com, http://www.TheCreditCardScore.com, http://www.TheBankruptcyFacts.com, http://www.PhilipTirone.com

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I want to move in with a friend of mine, who’s apartment is run by a large company. I know they will do a credit check. My credit score is a 629… not the bottom, but not great. Do you think they’ll be okay with that?

To complicate matters, this company already approved me for a lease several months ago, but that fell through… I believe my credit was higher then. I really just don’t want to be stuck with nowhere to live. Please help, especially if you really know what you’re talking about!

they might rent to you, but ask a bigger deposit from you

How Resellers Improve Credit Scores For Mortgage Buyers

Big mortgage companies was pressing CRAs (Credit Reporting Agencies) to allow fast re-scoring for their clients to get them approved for mortgage. As a result now we have a 3rd party facilitators called “resellers”. Resellers help mortgage prospects to improve their credit score. They are paid by mortgage lenders. They are not allowed to advertise their services to general public.

Resellers can achieve fast results because they receive “preferred” fast service from CRAs (they don’t have to wait 30 days), and because they concentrate on activity which provides fast results. You can achieve the same results (it will take just couple of weeks longer). Here are the main focus points:

(1) Late payments – make “Good will” request to the lender (credit card company) to remove it.

(2) Make a payment on an account – and get a signed letter.

(3) Maxed out or high balance on revolving account (more than 30-35%) – pay, get a letter.

(4) Account that has been paid in full, but shown as having a balance – request a letter from the creditor confirming that the account is paid in full. Be careful about old ‘charge-offs’: if they are old – better let them stay ‘as is’. For more details why look here: http://www.101creditrepair.com

(5) Account which is not yours – dispute.

(6) Records which are too old (for example, an account beyond 7 year limit) – ask to remove

(7) Other accounts that should not be in report, for example a collection that has been already paid to another collection agency.

(8) Multiple references to the same account – dispute.

(9) An account on which you are only an ‘authorized user’. Authorized users are not legally obligated for payments. Yet the FICO scoring model still scores authorized user accounts as if they were joint users. Dispute.

For more information visit http://www.101creditrepair.com

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I want to get a Walmart credit card…My credit score is not the best but not the worst either…it’s around 616. I dont want to apply and make it any lower unless I know I can get a card.

You can see what other people who got a Walmart card had for scores, at http://www.whogavemecredit.com Search by name (walmart) and it pulls up approved and denied submissions….also shows things like their APR and limit.

Your score however is just one attribute that credit card companies look at when considering extending a line of credit to you. Other factors are obviously your income or ability to repay the obligation, and also what’s in your credit file itself. It’s not all about the score…