- Check your 3 Credit Scores - Fast, Free & Easy with Enrollment at GoFreeCredit.com. So you say you want to improve your bad credit and get new good credit. Well it starts right here. This is where I started in 1993. So should you. How will you ever be able to improve something you can't see. GoFreeCredit is the best in the business with all 3 free credit scores from all three credit bureaus. TransUnion. Experian. Equifax.
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- 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 cantracts, 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 agancies 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 credit card debt, 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 compnay 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 compnies 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 3 free 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
-
Pay
off old bills and collections It is not enough to just pay off old bills like collections and
phone. Build credit by paying
off and negotiating removal of old bad credit bills.
-
Fix
my credit report after bankruptcy Make
sure all accounts included in your bankruptcy show zero balance and
included in bankruptcy on your credit report.
- What
do I do about divorce and credit. What your ex husband or wife decides
to do after divorce can hurt you no matter what the court decides.
If you have a cosigner, then you can have bad credit.
-
How long does bad credit stay on my credit report. How long does it
take to build good credit from bad credit.
How to Get Good Credit The Entire Story
- Get Your Free Credit Scores So you say you want to improve your credit? Well it starts right here.
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- We must have 3 - 6 open lines of rated credit (12 month's reported to bureaus within the last 1 - 2 yrs) ! It's not enough to pay off collections and charges offs.
Get good current lines of credit here
Credit Cards for a 0- 599 Credit Score
Credit Cards for a 600 - 649 Credit Score
Credit Cards for a 650 - 699 Credit Score
Credit Cards for a 700 - 749 Credit Score
Car Auto loans Bad Credit? No Credit? No Problem
- Dispute Errors Validate Debts Negotiate with Creditors Pay Balance Limit Ratios down to less than 79% best if 30%. Concentrate on debts that are 24
months from today back, as this time frame makes up 70% of credit scores.
- Get a good job or two jobs, budget and pay bills on time. In 12 to 24
Months your score will JUMP BIG TIME
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 |
I am Bo
Majors. I answer questions free and fast
majors@oskie.com
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