www.fixmyuglycredit.com Bill J. improves his credit once he understands this easy formula. www.fixmyuglycredit.com
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Continue reading How To Fix Credit Requires Secret Formula!…
Start earning income from all of your clients including turndowns. This new technology allows you to be the sponsoring credit coach and receive compensation for helping clients nationwide. Turndowns are the majority of all agents business and are the most loyal clients. Now you have a tracking system and a marketing tool to be before your clients all year. You will also be the first to know when they are ready, willing and able to buy so that you will not lose their business to another agent. Learn what equifax, experian and transunion do to calculate the scores.
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Jean Chatzky is correct, you cannot get your FICO score–the score that is used by lenders–for free.
However, if you want an approximation of that score, there are a few companies that will provide them for free.
But keep in mind, that each free attempt will in fact add an inquiry to your report which has been known to lower your score. See credit score myths below.
And all [except MY FICO] are the credit scores developed by the credit bureaus themselves, Experian, TransUnion, and Equifax, and are not your actual FICO scores.
Only the FICO score from myfico.com is used by lenders to determine your credit worthiness.
CreditKarma.com:
Gives you your TransUnion score. But it is Advertising-supported.
E-Loan:
Experian score. If you visit their website, be sure to scroll down to “One-Time Credit Snapshots” and “Free Credit Score (Credit Score Only)”
Prosper:
Experian score.
Feel free to ask any credit related questions in the comments section of this video. I’ll be happy to answer them if I can.
ALSO, PLEASE FREEZE YOUR CREDIT REPORTS!!!!!!
and please go to www.optoutprescreen.com to opt out of all offers of credit and insurance for 5 years. Don’t bother with the permanent opt-out.
Credit score myths:
Myth: You have only one credit score.
You actually have three scores, one from each of the three bureaus (Experian, TransUnion, and Equifax). They use the same “equation” from Fair Isaac Corporation but they each collect their own data, they each have their own slightly different weightings on the score components, and they each make their own share of mistakes. This is why it’s important for you to review each of your credit histories each year using government sponsored AnnualCreditReport.com. Some lenders pull your score from all three and use the middle value, some only pull from one. In the end, you need to ensure your information is 100% accurate.
Myth: Checking your score will hurt it.
There are two types of inquiries – soft inquiries and hard inquiries. A hard inquiry is when a financial institution uses your credit history to determine whether or not to extend you credit. A hard inquiry will appear on your report and negatively impact your score (this is why experts recommend you avoid applying for credit cards right before a mortgage application). A soft inquiry is when an institution uses your credit history to confirm your identity or when you personally review your credit history. Since it’s not used for a lending decision, it doesn’t negatively impact your score. Checking your history or score will not hurt your credit.
Myth: Shopping around for the best loan will hurt your credit score
Shopping around for the best loan will result in a lot of hard inquiries on your credit report but this is a special case. For mortgages, home equity, and car loans, a flurry of hard inquiries won’t hurt your score if they are within a 14 or 30 day window. Credit bureaus understand you will be making numerous inquiries to get the best deal. This rule does not apply to credit card application inquiries, each one of those will hurt your score regardless of how quickly you do them.
Myth: My FICO score dictates whether you get credit and at what interest rate.
Truth: The FICO score is a very important part of determining whether you get credit and at what interest rate but it’s not the only thing lenders use. When you apply for a loan, lenders will ask you for your bank account statements, your paystubs, and your outstanding debts in addition to pulling your credit. Lenders want to know whether you will be able to repay the debt and they cannot rely just on the score alone. If you have a lot of debt compared to your income and a high credit score, lenders could deny you credit. If you have little debt compared to your income and a low credit score, lenders could still extend you credit. Score is not the final arbiter, just a part of the equation.
Myth: Getting married will hurt (or help) your credit score.
After you are married, each spouse still has the same credit worthiness they had before they were married. Your scores won’t increase or decrease because you were married. The reason why people believe this myth is because when you start applying for loans, you’ll be applying for a joint loan where both spouses will be responsible. In this case, your aggregate score can go up or down. However, the act of getting married doesn’t change one’s credit worthiness.
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Boost your credit score with credit restoration by Credit Repair Advocates. Call 1-800-601-3401. Or visit www.crawg.com and click get started to improve your credit score TODAY! Having trouble getting approved for a car, mortgate, loan or credit card? We can legally remove items from your credit report, increasing your credit score and saving you money by getting better interest rates.
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Continue reading Credit Restoration by Credit Report Advocates…
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I used to have bad credit, and these are 5 simple things you can do to improve yours.
Feel free to repost this and pass it on to as many people as you wish.
While watching the video click on “share” right below.. and share it with all of the people on your friends list… or email the link to any and everyone you know… You never know who you might save from getting bad credit, or who may need help getting out!
http://www.youtube.com/watch?v=5S2j4XgYY3g
http://www.youtube.com/watch?v=Tfa2flQ5d08
I want everyone to begin the journey into having excellent credit, and this is the first part of a 3 part series.
TonyaTko
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Continue reading TonyaTko: 5 Ways to Improve your Credit Pt. 1…
SUBSCRIBE to The Discount Trendsetter Show and learn how you can receive your free credit report today.
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If you’re checking your credit report regularly, you should be looking for more than your credit score. You should also check for mistakes on your credit report and make sure all the information is accurate. If you find a mistake on your credit report, you will want to file a dispute with the three credit reporting bureaus. By law, the credit reporting bureaus are required to address your dispute within 30 days. Sometimes the credit reporting agency can come to a quick resolution, but other times, it may take longer to come to an agreement with the lender. Either way, watch your credit report very carefully for any false information and file a dispute immediately.
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Continue reading What To Do If You Find Mistakes On Your Credit Report…
Jeremy Simon, staff reporter with CreditCards.com, explains the ins and outs of credit scores and credit reports. For more information, visit http://www.creditcards.com/news
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How to increase your credit or fico score in a matter of days. Please contact me for assistance with increasing your scores.
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