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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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I could not find good answers or
real live people to help me so I made this website to help others.
E-mail Bo
Credit questions.
My credit help blog
I read your website and used a lot of the information you provided and was able to raise my score from 571 to 671 in 2 1/2 months. Thank GOODNESS for your website. IT WORKS!
real person
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I could not find
good answers or real live people to help me so I made this website to help
others. My credit was bad. Collections, charge offs and late payments
everywhere.
In 2004 the U.S. Public Interest Research Group found that
1 in 4 credit reports contained errors serious enough to be denied credit, housing, or
even a job.
Do this
-
Get my Free
3 in 1 credit reports and scores right now.
The best credit offer on the net.
-
Pay current loans and cards
before 30 days elapse and if I can't, I call creditors and agree to
terms of payment and credit help.
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Pay down balances to less than
80% debt to high credit. Less than 50% or even 10 % will raise
my credit score the most.
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Fix
credit by validating
and disputing second party collections, then negotiate credit help with original creditors before paying past bad debt. Ask
collection agencies, credit card and loan companies for
settlements and updated reports before I make payments. The #2
credit help mistake is, asking for updates or removal "after" making
payment. If the
credit has any mistake or if I do not know how to contact the
creditor I go to next step.
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Dispute
any errors on my credit report free by certified mail
Errors could be too old, fraud, unfamiliar, theft, mistake, wrong
balance, paid off in full, never late, not mine, duplicate, incorrect dates, included in
bankruptcy or divorce decree. Mail disputes with copies of any
documentation from negotiations, investigations or receipts, or
dispute with no documentation if I can't recognize or contact the creditor.
Mail all credit disputes with
delivery confirmation and use next day air for a faster and
confirmed credit
answers and updates.
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Have at least 3 open credit lines
with
loans
and
credit cards
that report to bureaus.
These lines of credit must be rated (open for 12 months minimum) and reported (to
a major bureau)
and show no more than 80% of my available high credit
limit borrowed. The #1 credit mistake is, failing to keep open
3 currently good and rated credit lines of credit with no more than 80% debt for each.
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Check all my 3
in 1 credit report weekly for fix my credit score updates.
Negotiating and disputing? Monitor for unwanted fraud. Get a credit
report and score once per year minimum.
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Make
sure, no payments, are even one date late, when I check my report
My score will be dramatically lower, if only one payment is one day
late from the due date. If I make the payment before 30 days
pass my credit will not be affected for the long term, but, if have
my credit score report checked while a payment is actively just a
few days past due, then my credit score will be lower right then. This is one of
the most over looked aspects of credit score help.
-
Learn the top
12 ways to raise
my
credit score fast and free.
Keep current credit. Pay down balances to less than 80%. Re open
past bad accounts and more.
-
Credit updates
or dispute inquiries take 30 days.
So it is important to keep a watch on my credit report to make sure
the updates happen and my score gets better. Almost any credit will
raise to 640 - 700 in 2 years or less with current good open credit
and no more new bad credit. .
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What makes a perfect
credit report or 720+ credit score?
1 - 2 addresses in the last 7 years. Stable the last two.
1 - 4 job listings in the last 7 years. Stable the last two.
3 - 4 lines of credit that are 7 years on the books with less
than 80% owed and no late payments.
Such as:
1 home loan with 7 years of perfect payments. 1 open car loan with 2 years on the books with no late payments.
1 gas card that shows 7 years on the books. 1 major credit
card with 7 years on the books
A couple of paid off car lines of credit that are closed. Like a car
loan. 0 - 6 'I signed for" "asking for credit" credit inquiries in the
last 2 years.
My credit can be 680 + and still show some late payments, or even a bankruptcy
if the bad credit is older than 2 years and I have new good credit. So always get and keep good credit lines open, current and active.
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Realize that a stable working income and budgeting
are the best cures for credit problems. If I cannot pay my bills,
loans and credit cards because I lost my job, then I have to find
another good job fast and try to make it a keeper, so I can be stable and
have good credit. If some other catastrophic thing happens "beyond
my control", I have to hold my head up and realize I am not my bank
account but a reasonable, live human being. So I call and tell
creditors why I cannot pay, hope for help and keep plugging till
something good happens.
Extra credit help tips for continued bad credit to
good credit hygiene
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Add comments for disputed
errors on my credit report
50 words or less and explain (my side of the story) when honest
negotiation does not help with creditors, divorce, suit or liens.
Use this free universal credit
dispute form.
Send comments only to the bureaus
affected and write in personal
letter form. The comment will remain on your report as long as the
account.
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I make sure
all credit files included in past
bankruptcies show up on my credit
report as zero balance and included in bankruptcy. If some accounts
were assigned to a divorced spouse then, have these accounts flagged as
assigned to spouse in bankruptcy.
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Put
credit fraud alerts on credit reports
that have potential credit fraud, due to identity
theft,
stolen credit cards or even a stolen wallet, purse or pocketbook.
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Collections companies are hassling me about
very old or unfamiliar credit that may be duplicates or I might have been
penalized for in the past. Now the 7 year thing is
starting over for the same bad credit.
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Creditors are calling, my score is falling
I can't pay all my bills! Get instant debt
consolidation help here.
The debt quote is free.
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Not all bad
credit can be helped legally. Companies cannot get a new credit identity
legally. New
identities are
scams
and illegal!
These are the best credit help offers I can find that I trust and use.
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The best for fixing credit, monitoring for fraud, and ID theft over a
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Fix
credit! Credit Cards No credit or bad credit wanted.
I must have at least 3, open, reported to a bureau, lines of credit.
Hire a Lawyer to do all the
work
Knee
deep in debt solutions
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