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Free Credit Score
+ view all three of your credit reports @ TransUnion, Equifax, Experian.
Free tips on what hurts and how to help your credit report scores each credit
bureau.
- How to raise
credit score fast quickly and free. Use these practical and easy to use improve bad credit
steps. I have found that many people do not realize that paying off collections, charge offs, satellite dish
contracts, cell phone contracts, rent, monthly electric bills and gas bills DOES NOT count for good credit.
- Validate
collections and past bad debt before you pay. Get collection
agencies to legally validate they have the legal authority to collect for said account. I have found that many people do not realize that 2nd part collection agency do not always have the legal chain of custody to collect on past bad collections. If your collection is more than 2 years old, then you need to validate the legal chain of custody.
- Negotiate
bad debts, past bad collection credit or bad charge offs credit before you pay.
The number 1 improve bad credit mistake is to not
try and negotiate a favorable credit report outcome or lower fee before you pay the account off. How much negotiating power do you have when you have already paid? Always call before you pay. Always get something in writing on
company letterhead before you pay. Always monitor the results on your credit reports and use the company letterhead to dispute inaccurate reporting.
- Use my free credit report dispute form to dispute errors, old or misdated bad credit. The number one thing that most credit repair
companies do for you that you could do for yourself. This is the holy grail for credit repair companies. They charge 100's of dollars for this free form that you can do yourself. Stand up for yourself and improve your own bad credit.
- Get new good credit by opening or reopening new credit cards or car loan that reports to
one of the three
major credit reporting bureaus TransUnion, Equifax or Experian and keep the
account current for at least 1 year to improve
your credit score. This is the number 1 most effective and widely used way to
improve bad credit.
- Pay any and
all loan balances down to less than 79% against high credit
limits or reduce your Credit Utilization Ratio. Over 80% on balances is the number 2 killer of good credit. This is the fastest way to improve bad credit.
- Know your score of at all three credit
bureaus
Experian score, beacon scores and Emperica scores.
Improving these credit scores will me get low interest rate credit cards, home loans and car loans.
- How to improve bad credit scores and get good credit started. The 4 best ways for improving bad credit scores. Get all 3 free scores - Dispute errors - Get 3 - 6 active loans - Get reliable work and budget
How to Get Good Credit
Tired of Living with Bad Credit? Get Fast Free Advice Today!
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I am Bo Majors. I
answer questions free and fast
majors@oskie.com
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