Credit cards help raise and fix my fico score

 I'm Bo Majors
 I got my totally free credit report, flipped out, paid bills, asked for credit help, got new good credit and disputed errors on my credit report. .

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Credit Questions.
 

Credit cards help my fico credit report score. Get a credit card or cards that help improve and raise my credit score report

•  Keep at least three open lines of credit to raise a credit score.

•  The credit must be at least 12 months old or the credit will not be rated and will not help my score. 

•  I re open any old credit cards I can to help my credit score. 

•  If any credit cards report I owe more than 80 percent of my  high credit limit then, I lower the balance fast with payments. 

 New Millennium Bank Secured helps my fico score 
Perfect credit card for people with no credit files reported.

• No CREDIT CHECK

• Get Approved REGARDLESS OF CREDIT HISTORY
• Get Credit limits UP TO $10,000
• Reports to ALL 3 BUREAUS

  Rewards 660 Visa will help my fico credit score 
Help improve or raise an old bad credit report with with new better credit cards on my credit score. 

• No Fee Credit Limit Increases
• Get a Response Online in Seconds
• Visa® Card Accepted at Millions of Locations
• Reports to TransUnion

  First Premier Banks Gold Master Card for a better fico credit score

• Know in an Instant if you are Approved!
• Get Quality Customer Service
• Low APR on purchases
• I Need Gold Card Prestige

 I need to get some credit card ground rules set for making sure these cards help me improve my credit rating and score. 

1.  Always make payments on time.

2.  Payments must be in the creditors office and processed before 12 am on the due date.

3.  One time, one day late, will automatically increase my interest rates and add late fees to my balance.

4.  If I am currently more than 1 day late and I apply for credit my score will be lower and reflect that I need to make a payment now.

5.  If my payments are in the office before 30 days late then my long term credit report will not be affected and my account will show paid as agreed and on time. I will still be subject to increased fees.

6.  I must make sure I monitor my due dates and make sure the dates do not change or that they do not fall on a holiday or weekends.

7.  If due dates fall on holidays or weekends I make sure payments show up early.

8.  I have found it good to set up all my credit payments on the internet as I sometimes need to make exact timing on my payments. 

9.  I never think someone other than I am responsible for making payments.

10.  If I have a been granted a divorce and my divorcee was decreed to make payments on a loan which I have co signed on I still do not think they are responsible to make the payments as far as my credit report goes. Any co signing will show on my report no matter what. I call to monitor or set up unlimited monitoring and credit reports.

11. Keep balances low -- less than 30% of credit limits on each card. If I run my credit up my score will dramatically drop. When I go past my credit limit my interest rate will increase and will be added to my balance

12.  I keep no more than 3 credit cards and as my credit gets better and my limits increase I consolidate to 1 or 2 cards and one other current loan on like a house or car. 

 These are the best credit help offers I can find that I trust and use.
 Get all 3 totally free credit reports and scores
 I use this one. Best offer for quick comprehensive credit  checks.
 Unlimited 3 bureau credit reports & 3 scores for 14.95 per month  
 The best for fixing credit, monitoring for fraud, and ID theft over a period of time.
 Get new good credit totally free  
 I must have at least 3 open rated lines of credit. These cards report to bureaus.
 Hire a Lawyer to do all the work

 Knee deep in debt solutions