How to Raise Your Credit Score Easily Overnight
By Ryan J. Taylor
Raising your credit score isn't hard. If your score is below 720 points, there are a couple things you can do right now that is so quick and easy, you could increase you rating overnight. By doing so, not only will you more easily be able to get approved for loans, but you can reduce your minimum payments on your credit cards, lower your car payments, and refinance your mortgage. It can even help you get a higher paying job.
First, ask yourself when the last time you checked your score was? When you took a look at it last, did you happen to review all three of your credit reports carefully? Everyone has three credit files that can all contain different information. Unfortunately, this information isn't always accurate.
Three out of four credit reports list the wrong information, and these errors can be hurting your score - even though the don't belong there. Just because one of your credit reports looks good, don't assume the other two are just as perfect. What may appear as a small mistake could mean as much as 100 points in your credit score.
It's common to find credit card accounts being listed as open that were closed years ago, accounts in collection that you never knew existed, and even the wrong Social Security Number listed. When you find these mistakes, highlight them and immediately contact the reporting agency. By law they must remove these mistakes and your score will adjust accordingly. It's one of the fastest and easiest ways to raise your credit score and get the rating that you deserve.
How does your personal credit score stacks up to the average?
Check your free credit score.
==============================================
Credit Repair - What Are Your Chances?
By S Bee
Credit repair is not just a single activity or one-time event. Some consumers have absolutely no problems with their credit report, but they are in the minority. A July 2004 article in the "Los Angeles Times" reported the results of an independent consumer advocacy study that found that "8 in 10 credit reports contain factual errors". About half of the errors discovered were so severe as to negatively impact a consumer's FICO (Fair Isaac Corporation) score and their ability to get credit.
Obviously this means that all consumers should be taking advantage of the FCRA (Fair Credit Reporting Act) amendment from 2003 that requires the three major CRAs (Credit Reporting Agencies) to provide every consumer with one free copy of their report each year. But when it comes time to dispute make sure you use a credit report that you paid for. The small fee will be worth the 30 day time frame the bureaus will be forced to work in, as opposed to the 45 day time frame they get to work in when you use a free report. That 15 days might not seem like much initially, but it will, trust me, and it won't take long.
The three key credit bureaus or consumer reporting agencies are Experian, TransUnion, and Equifax. You may want to carefully look over each of your three credit reports at least once each year to ensure no errors or problems exist. If there are problems, you'll want to discover how to get such invalid issues removed.
What if the negative issues are valid? You may ask. This will mean doing credit repair yourself or hiring someone else to do it. More and more people are seeing doing the credit repair yourself as a good thing because any consumer can question the issues on their report and ask for the documented evidence that the information is valid.
The burden of proof lies in the hands of the original creditor or the collection agency that they have sold the debt to. You'll need to know the various steps that can be taken to challenge the validity of the items on the report, and how to get them deleted. When an item is slated to be removed, this might mean that the item is removed without any further payment due, or that the debt will have to be settled.
Regardless of how it is achieved, however, the removal of negative items from a consumer credit report will quickly increase the FICO score and allow you to enjoy life on your terms. Consider that higher FICO scores tend to make a lot more things possible and ease your financial responsibility in many areas including, insurance rates, interest rates on car loans, home loans, credit card rates. That's a pretty convincing list of reasons for doing the credit repair yourself.
Having bad credit can affect every aspect of your life. But you do have options. If you'd like additional information for doing the credit repair yourself and finally solving this problem, visit http://www.the-creditrepairprocess.com today for details.
=============================================
Most Problems Aren't As Bad As We Think - Even the Financial Ones
By S Bee
When consumers get their credit reports each year they will see all of the accounts they have, including those without any balances. They will also see the status of those accounts.
Generally this means that you will see that accounts are either "current" or delinquent in some way or another. Many creditors consider an account that has a balance, but which has not received a payment in more than thirty days, as delinquent.
Creditors can legally report these delinquent accounts to all three credit bureaus after thirty days of nonpayment or insufficient payment, meaning less than the minimum payment due. This report submitted by creditors is demonstrated with a notation for how many days the account is past due (usually 30-60-90 and 120+). Additionally, the accounts can go far beyond 30-60-90 day reports and enter into "collection" or even "charge off" status.
When an account has a "charge off" citation, it means that, at this time, a person has failed to pay both the original creditor and the collection agency that purchased the debt.
(This is a fairly standard procedure, but it means that two negative marks can legally appear on each credit report for the same single debt).
As bad as this looks, there is hope because this double entry can be "addressed" through simple negotiations with the collection agency seeking payment.
If you want to challenge an item on your credit report you will want to do a validation and a verification. First, the validation will identify if the collection agency has any authority to be pursuing the debt, and next the verification is done in order to get it officially removed from the credit report. REMEMBER: the validation might not get anything taken off of a credit report. The consumer usually achieves this through the verification process with the consumer reporting agency.
There are very strict laws that apply to all collection agencies, according to the FDCPA (Fair Debt Collections Practices Act) and there are a number of legal and simple activities that will help you to see debt collection activity ended and negative items removed from all three credit reports.
Having bad credit can affect every aspect of your life. But you do have options. If you'd like additional information for doing the credit repair yourself and finally solving this problem, visit http://www.the-creditrepairprocess.com today for details.
By Ryan J. Taylor
Raising your credit score isn't hard. If your score is below 720 points, there are a couple things you can do right now that is so quick and easy, you could increase you rating overnight. By doing so, not only will you more easily be able to get approved for loans, but you can reduce your minimum payments on your credit cards, lower your car payments, and refinance your mortgage. It can even help you get a higher paying job.
First, ask yourself when the last time you checked your score was? When you took a look at it last, did you happen to review all three of your credit reports carefully? Everyone has three credit files that can all contain different information. Unfortunately, this information isn't always accurate.
Three out of four credit reports list the wrong information, and these errors can be hurting your score - even though the don't belong there. Just because one of your credit reports looks good, don't assume the other two are just as perfect. What may appear as a small mistake could mean as much as 100 points in your credit score.
It's common to find credit card accounts being listed as open that were closed years ago, accounts in collection that you never knew existed, and even the wrong Social Security Number listed. When you find these mistakes, highlight them and immediately contact the reporting agency. By law they must remove these mistakes and your score will adjust accordingly. It's one of the fastest and easiest ways to raise your credit score and get the rating that you deserve.
How does your personal credit score stacks up to the average?
Check your free credit score.
==============================================
Credit Repair - What Are Your Chances?
By S Bee
Credit repair is not just a single activity or one-time event. Some consumers have absolutely no problems with their credit report, but they are in the minority. A July 2004 article in the "Los Angeles Times" reported the results of an independent consumer advocacy study that found that "8 in 10 credit reports contain factual errors". About half of the errors discovered were so severe as to negatively impact a consumer's FICO (Fair Isaac Corporation) score and their ability to get credit.
Obviously this means that all consumers should be taking advantage of the FCRA (Fair Credit Reporting Act) amendment from 2003 that requires the three major CRAs (Credit Reporting Agencies) to provide every consumer with one free copy of their report each year. But when it comes time to dispute make sure you use a credit report that you paid for. The small fee will be worth the 30 day time frame the bureaus will be forced to work in, as opposed to the 45 day time frame they get to work in when you use a free report. That 15 days might not seem like much initially, but it will, trust me, and it won't take long.
The three key credit bureaus or consumer reporting agencies are Experian, TransUnion, and Equifax. You may want to carefully look over each of your three credit reports at least once each year to ensure no errors or problems exist. If there are problems, you'll want to discover how to get such invalid issues removed.
What if the negative issues are valid? You may ask. This will mean doing credit repair yourself or hiring someone else to do it. More and more people are seeing doing the credit repair yourself as a good thing because any consumer can question the issues on their report and ask for the documented evidence that the information is valid.
The burden of proof lies in the hands of the original creditor or the collection agency that they have sold the debt to. You'll need to know the various steps that can be taken to challenge the validity of the items on the report, and how to get them deleted. When an item is slated to be removed, this might mean that the item is removed without any further payment due, or that the debt will have to be settled.
Regardless of how it is achieved, however, the removal of negative items from a consumer credit report will quickly increase the FICO score and allow you to enjoy life on your terms. Consider that higher FICO scores tend to make a lot more things possible and ease your financial responsibility in many areas including, insurance rates, interest rates on car loans, home loans, credit card rates. That's a pretty convincing list of reasons for doing the credit repair yourself.
Having bad credit can affect every aspect of your life. But you do have options. If you'd like additional information for doing the credit repair yourself and finally solving this problem, visit http://www.the-creditrepairprocess.com today for details.
=============================================
Most Problems Aren't As Bad As We Think - Even the Financial Ones
By S Bee
When consumers get their credit reports each year they will see all of the accounts they have, including those without any balances. They will also see the status of those accounts.
Generally this means that you will see that accounts are either "current" or delinquent in some way or another. Many creditors consider an account that has a balance, but which has not received a payment in more than thirty days, as delinquent.
Creditors can legally report these delinquent accounts to all three credit bureaus after thirty days of nonpayment or insufficient payment, meaning less than the minimum payment due. This report submitted by creditors is demonstrated with a notation for how many days the account is past due (usually 30-60-90 and 120+). Additionally, the accounts can go far beyond 30-60-90 day reports and enter into "collection" or even "charge off" status.
When an account has a "charge off" citation, it means that, at this time, a person has failed to pay both the original creditor and the collection agency that purchased the debt.
(This is a fairly standard procedure, but it means that two negative marks can legally appear on each credit report for the same single debt).
As bad as this looks, there is hope because this double entry can be "addressed" through simple negotiations with the collection agency seeking payment.
If you want to challenge an item on your credit report you will want to do a validation and a verification. First, the validation will identify if the collection agency has any authority to be pursuing the debt, and next the verification is done in order to get it officially removed from the credit report. REMEMBER: the validation might not get anything taken off of a credit report. The consumer usually achieves this through the verification process with the consumer reporting agency.
There are very strict laws that apply to all collection agencies, according to the FDCPA (Fair Debt Collections Practices Act) and there are a number of legal and simple activities that will help you to see debt collection activity ended and negative items removed from all three credit reports.
Having bad credit can affect every aspect of your life. But you do have options. If you'd like additional information for doing the credit repair yourself and finally solving this problem, visit http://www.the-creditrepairprocess.com today for details.
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