Credit Secrets: How To Improve Your Credit Scores
This may be the hottest topic most people come to me for. Most of my friends and family have picked my brain for years to get secrets, tips and tricks to improve their credit scores. Better credit can save you significant money on your home, car or any kind of financing. Plus, better credit opens all kinds of opportunities you can never access with bad credit. So right here, right now, I’m going to give you all I have to help you fix your credit, repair your credit report and strategically improve your credit scores until you too have “perfect credit”.
Quick Trick To Boost Your Credit Score 2-10 Points In One Week
DO THIS RIGHT NOW: Call 888-5-OPTOUT to “permanently opt out of pre-approved credit offers”. This will eliminate most of your junk mail and give you a 2-10 point boost on each of your three credit scores within one business week. Do this now before moving on. It only takes a few short minutes. You’ll be happy you did and it just makes sense. Do it now.
Get Your Credit Reports – How To Do It For FREE
The US Government federally mandated that consumers may obtain a copy of their credit report from each of the three credit reporting agencies, Experian, TransUnion and Equifax, once every twelve month by requesting them through AnnualCreditReport.com. You may also call Toll-Free 877-322-8228. If you have any difficulty verifying your identity to get your reports for free online, or via phone, you can use this Annual Credit Report Request Mail-In Form to have copies mailed to you.
Get Your Credit Scores – How To Do It For FREE
Here’s what I tell my friends…. Go here and sign up for a free trial where you get all three credit scores for free, then MAKE SURE YOU CANCEL before the free trial ends to avoid paying anything.
What Is Credit Repair? How Can You “Fix” Your Credit Report?
Credit repair is the process of exercising your rights under the Fair Credit Reporting Act to dispute negative items and get them removed from your credit report, resulting in an increase to your score. I work with my clients to show them how they can do this on their own. You are likely to get some positive results once your debt is paid off, and each negative item that is removed from your report will have a positive effect on your credit rating.
The FTC website provides all you need to “do it yourself” on their website: Credit Repair: How to Help Yourself
Another great DIY resource is the Credit Info Center. HOWEVER, FAIR WARNING: While the credit repair information is good and can help you, beware of the rest of the information. The website has become extremely hypocritical. They say all “debt consolidation companies” are bad, grouping all credit counseling and debt settlement companies together and publishing a long list of which ones, in their opinion, are “bad”. On this list is Credit Solutions, which I agree is one of the most notoriously shady companies with a looong list of complaints on their BBB report. My last check showed over 1,500 complaints!! Now here’s the hypocrisy: Credit Info Center is now promoting “debt relief” and generating leads for these same “debt consolidation companies” they have demonized for years.. and GUESS WHO they will send you to when you fill out the form on their website for help? Yes, in the spirit of true hypocrisy, Credit Info Center is selling their leads to Credit Solutions. Might as well sell your soul to the devil. So use the credit repair info, sample letters, etc. It’s good stuff, BUT watch out getting debt help from these guys. Also, no need to pay $45 for a 15 minute consultation,
http://www.creditinfocenter.com/repair/Repair.shtml
Fixing Your Credit Report
If you’re one of the many people who’s asked about Fixing Bad Credit (or ever wondered about repairing less-than-perfect credit), then check out 37 Days to Clean Credit. This is everything you need to do it yourself, and it’s the lowest cost program I know of that works! I’ve been in this “credit repair” biz since 2001. I’ve “done it all” for myself, for my family, friends and clients. I’ve used countless credit repair companies, law firms and products over the year. This program is really all you need. I bought it and used it myself, and I continue to recommend it for anyone who need to clean up their credit fast.
Credit Rebuilding
You can re-establish a good payment history quickly by using credit in an optimal way.
Without having to throw hundreds and hundreds of dollars into the toilet each month on minimum payments (most of which is interest), you will be able to create a savings very quickly after your debt is eliminated. You can then open 2-3 “secured” credit cards with banks. Use these cards responsibly by charging them up to just below 50% of their limits (so you don’t get dinged on your credit score for going over 50%) and pay them off each month down to about 25%.
* You actually want to carry a balance because creditors will flag you in their computer systems as a “deadbeat” if you pay your cards off each month, as they make no money on people who do this.
If you use secured credit cards in an optimal way like this for 6-12 months during the credit repair process, you will begin to re-establish a good payment history, while keeping your DTI low and avoiding utilization problems. From there you should be in good shape with your credit score and much better long term credit worthiness.
How To Get Secured Credit Cards to Improve Your Credit Scores
Now let’s look at how each option you have will affect your credit score and credit worthiness, so you can make your best choice to be Debt Free ASAP and Get Your A$$ Out Of Debt FAST:
Here to Be an Asset to You,
Jesse D. Niesen
“Go To Guy”, DebtGoToGuy.com
FastTrack Consulting, Inc.
PS – Hey, we just updated the facebook comments code (Feb 2012) and lost all of the awesome comments everyone had left. Bummer! Someone needs to lead the way… go ahead and let me know what you think of this website, what you need next, your challenges, questions or curiosity… and let’s get these comments going again – Thanks!
