How Can I Raise My Score 100 Points in 45 Minutes? Inch Your Way Up the Credit Score Scale

May 16th, 2009

When you know the secret to quickly increasing your credit score you can trick lenders and creditors into giving you more money and reducing your interest rates. Because they’ll never know what your score was before you raised it, they’ll have no choice but to lower your interest rates and hand over the money you need.

Your credit score is more than just a number to help you get approved for a loan. This information is reviewed by employers and can help you get a job, it’s used by your car insurance company to determine your rates, and its being used more and more for everyday decisions.

Particularly if you are planning on buying a car soon, renting a new apartment or buying a new home, it’s never a bad idea to review your credit information and increase your score. Do this before you visit the lender so you have a chance to make these changes before they have a chance to pull your credit.

How is this done?

One of the easiest ways to increase your rating is to download your free report and score. When you look at your score, you’ll immediately see where you stand on the credit scale and what you need to do to raise that number.

But also take a look at all 3 of your reports - closely. That’s because three out of four credit files contain errors that don’t belong there. This includes items that are over 7 years old. By law, these should fall off your report and no longer hurt your score, but that doesn’t happen. Find these mistakes, notify the reporting agency online and as a result your score will increase 100 points or more.

Download your personal credit score and see how it stacks up to the average.
=>> View all 3 of your free credit reports…

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How to Improve Your Credit History and Raise Your Score Fast!

May 15th, 2009

You can increase your credit score fast and completely for free, without the help of a credit counselor. By fixing your credit history, you’ll not only make your score skyrocket virtually overnight, but you’ll be able to put more cash in your pocket.

Because your score determines the interest rate you pay on your credit cards, it affects your minimum payments. When you increase you’re score, you’ll lower your credit card payments and keep more of your money for yourself.

But in addition to that, your boss has access to your credit score and employers review it during the hiring process, so a better rating can help you land a high paying job. Plus you’ll be able to buy a car without a problem or refinance your mortgage to reduce your monthly expenses.

One way to do this fast is to review your credit information and eliminate the all of the negative history that is listed on your file. Any late payments, accounts in collection, of other negative marks drastically drag down your score. Luckily you can get these items taken off and your bank will never know they were ever there.

So your first step is to download all three credit reports. The information on all three files will differ because the companies you do business with can choose who they report your information to. That means some items will be on one report, but maybe not on the others.

What you want to look for first and foremost are errors and items that are older than 7 years old. Any negative items on your file that are over 7 years old must, by law, come off your report. This doesn’t always happen, but when you catch these and notify the reporting company, they’ll remove it and your score will increase.

While you do that, you’ll be able to see how y Read the rest of this entry »

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