Liberty Credit Repair

After check fraud discovered, closed that acct, opened another at same bank, but not all auto payments were transferred to the new account resulting in what ended up being late payments when I discovered bills not being paid. As a result, my credit score tanked. What can I do to repair my good credit rating?

Probably you have some wrong items in your credit report. Use credit repair service to find and remove such bad stuff from your credit – credit-report-score.10001mb.com

Raise a credit score by 100 points by making sure everything on your credit report is correct, making payments on time, paying off debts and avoiding lots of credit inquiries. Dispute incorrect items that appear on a credit report with instructions from a certified financial consultant in this free video on credit reports.

Expert: William Rae
Contact: www.hbwfl.com
Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years.
Filmmaker: Christopher Rokosz

Duration : 0:2:15

Continue reading Credit Scores & Reports : How to Raise a Credit Score by 100 Points…

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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 charge offs.

Duration : 0:5:19

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My credit score is 475 right now and I want to raise it to 800 before the end of this year. How would I do that?

Thanks.

by making credit card payments above the min. and never be late paying on anything…or paying balances off

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 find additional names and addresses on your credit report.

Duration : 0:5:21

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I just had a question. About 3 months ago I tried to apply for a loan to get a house. However, my credit score was around 560 at the time, so they were asking for a 10,000 down payment and to hire a company to settle my debts. Since then,I decided to try and raise my credit score alone rather than pay someone to do it for me. I have been paying my bills on time and paying more then the minimum balances. I am also paying off credit cards starting with the lowest amount.At the rate I am going, I should be able to pay off everything by the end of December. Now my question to you is, by doing all of these things, would my credit score go up enough to, hopefully by March, be able to apply for another home loan?

Paying off the credit cards will definitely bring up your score.

I suggest you concentrate on the highest interest rate credit card first and pay the minimum on the rest. When the highest interest rate card is paid, move to the next. You save interest by paying off the highest interest rate first.

Check you credit report and see if you have any other negatives. You want to negotiate settlement of those after you get the credit card debt paid off.

It may take longer than March for your score to be good enough for a mortgage. But with the current housing market, it might not be such a bad idea to wait a little longer anyway.

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 find the negative items or accounts on your credit report.

Duration : 0:6:17

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We are working our way to buying our own home and only have 50 pts to go to get approved, but I would like to raise it a little more than that so we can get a little better rate. Would it be quicker to get a secured credit card that reports to the credit bureaus or is there a better way?
I have several judgements (civil small claims) from landlords in the past, and also some collections, mainly from the hospital bills. Is it true that both of these will stay on your report wether you pay them or not? I have heard that sometimes when you pay off everything it actually lowers your score even more…
Any advice is appreciated.

Well, I don’t know if it’ll work or not, but the quickest way is to dispute all the negative items and see if they can validate the debt. They have 30 days and if they fail to, it comes off. The down side is you’d be surprised how many will. I had a company validate that a five year old debt (that really wasn’t mine) was mine. I finally got it removed, but it wasn’t easy.

Other than that, make sure balances are below 30% of your credit limits and continue paying on time.

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.

Duration : 0:6:15

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Does every payment to say a credit card raise your credit score. And how much does it rais e and depending on what?

It’s not a matter of how many payments you make — it’s a matter of how much debt you repay. If you had a huge debt and pay the majority of it off, your score will raise dramatically.