What’s My Credit Score and How Do I Raise It?
Friday, April 9th, 2010
http://creditscoreguide.blogspot.com
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Posts Tagged ‘Credit Score’
Credit Repair and Increase Credit Score Fast
Friday, April 9th, 2010
http://creditscoreguide.blogspot.com
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Repair My Credit Now
Friday, April 9th, 2010
www.Free-Money-Tips.com. If you wait until it is time to apply for a loan and then you discover that your score is not high enough, you want to scream ‘Somebody please help me repair my credit now!’ At that point it is probably too late. I know. Believe me, I’ve been there. I had the down payment. I had the employment covered. I actually had paid off the vehicle loan. But the credit report showed some derogatory items that were hurting my score. The bank balked. No way were they going to give me a loan for the home I so desperately wanted with a score like that. It was time for action. I needed help and I needed to repair my credit now! I found the solution.
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Building a Good Credit Score Fast
Friday, April 9th, 2010
Bad Credit Score? Build a Good Credit Score Fast and Fix Your Bad Credit: http://CreditAmbassador.com
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Credit Repair Case Study: How I deleted 1 judgment & 1 charge off with 1 letter
Saturday, April 3rd, 2010
http://www.37daystocleancredit.com
In this video I sow you REAL proof on how I deleted 1 judgment and 1 charge off my credit report with 1 letter. You’ll see the exact letter Transunion sent me.
Duration : 0:1:49
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Improve Your Credit Score
Wednesday, March 31st, 2010
You may already know credit score basics, and how your score is used to help determine if you can get approved for a loan and which interest rates you qualify for. However, do you know it also affects your ability to get housing, insurance, and even your credibility with employers?
Your credit score affects many aspects of your life, so its important to have a clear understanding of how it works. Learning the five main components of your score is a good first step.
•Payment history is based on your bill payment history over time. This includes but is not limited to credit card, mortgage, and utility payments. Keep your credit score in good standing by making consistent, on-time payments.
•Amount owed is determined by the amount of debt you owe versus the total amount of credit you have. The reality is, if you use more than 50 percent of your credit limit, you will likely see your score drop.
•Length of credit history demonstrates your financial stability and the ability to manage credit responsibly. Keeping credit accounts open for at least two years will positively affect your score. Length of credit history can also play a role if you are trying to reduce your number of accounts.
•New credit looks at the number of accounts youve opened recently, as well as your proportion of new accounts to older, established accounts. Also considered are the number of recent credit inquiries that have been made for your report.
•Types of credit examines your current mix of debts, which may include credit cards, mortgage and auto loans, and retail accounts. Its important to have a good blend of credit, with limited revolving credit card accounts, because it shows youre able to manage a variety of credit types, says Elling.
Visit your local Affinity Plus branch location for a free copy of your credit report. A financial professional will meet with you, one-on-one, to review your report and answer your questions. We want to help you understand your credit report and how you can improve, and maintain, your score, says Elling.
For more information about credit score factors, free workshops, or to make an appointment with an Affinity Plus Federal Credit Union financial professional, please call (888) 830-2280 or visit www.onthemoneymn.com.
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How Resellers Improve Credit Scores For Mortgage Buyers
Wednesday, March 31st, 2010
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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Improve Credit Score
Sunday, March 28th, 2010
http://improvecreditscore.the-recommendation.info After getting a “fresh start” through bankruptcy or credit card debt settlement, one may be tempted to never borrow and not repair your credit score. If you do not improve your credit score, you will pay thousands extra through higher interest rates if you buy a house or a new car.
For credit card debt settlement, http://jamesmontgomerylaw.com/credit-card-debt-settlement
http://improvecreditscore.the-recommendation.info
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Credit score by Vancouver Canada Mortgage broker Mark Fidgett, mortgage broker BC
Thursday, March 25th, 2010
http://www.notapennydown.com . Mark Fidgett, a mortgage broker in Vancouver Canada, explains why you should pull your credit bureau and how to pull your credit bureau
Duration : 0:5:6
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Improve your actual FICO score by over 100 points in less than 6 months!
Thursday, March 25th, 2010
http://www.oncewire.com/cr Get your free credit report, your first step. Subscribe for future videos on credit repair, credit education, and financial help!
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