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11 things that help a bad credit history or poor credit history online totally free.

1. Get your Free Credit Score from CreditReport.com - fast, free and easy! 
   Free Personal Credit Score Analysis Included. I use this site because I know I cannot fix what I cannot see or understand!
   

2. Pay current loans and cards before 30 days elapse and if you can't, then call creditors and agree to terms of payment help to build credit. 
   
   

3. Pay down balances to less than 80% debt to high credit. 30% is the best debt balances to high credit ratio, but anything over 80% and your score will drop.
   
   

4. Always try to negotiate credit report help before you settle or pay past bad credit off in full. Ask for favorable updates with no new dates, removal of late payments, removal of all information, anything you can before you make your payments. The #1 credit mistake is, asking for updates or removal "after" making payment. 
   
   

5. Dispute any and all errors on your bad credit report by certified delivery  mail. Errors are things such as fraud, unfamiliar, mistakes, incorrect balances, paid off in full, never late, not yours or not mine, duplicate entry, incorrect dates, included inbankruptcy or included in divorce decree. Mail disputes with copies of any documentation from negotiations, investigations or receipts.
   
   

6. Please mail all free credit report disputes with delivery confirmation and use next day air for faster and confirmed credit answers and updates.
     

7. Keep at least  3 lines of credit open that report to bureaus. These lines of credit must be rated (open for 12 months minimum) and reported (to a major bureau). The#2 credit mistake is, failing to keep open 3 to 6 currently good and rated lines of credit or credit cards with no more than 80% debt for each.
     

8. Check your credit reports weekly for updates. If you are negotiating and disputing then you should be monitoring results. Get a credit report and score once per year minimum.
    

9. Make sure, no payments, are even one date late, when you check your report. 
    If you make the a payment before 30 days pass your credit will not be affected for the long term, but, if you have your credit report checked while a payment is actively just a few days past due, then your credit score will be lower right then. This is one of the most over looked aspects of credit score help
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10. Learn the top ways toraise your credit score fast and free online. Keep current credit open and pay down open credit balances to less than 80%.
       

11. Credit updates or dispute inquiries take 30 days. So it is important to keep a watch on your credit report online to make sure the updates happen and your  credit scores get better. Almost any credit score will raise to 640 - 700 in 2 years with current good open credit and no more new bad credit. 

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What is a the best score at Experian Transunion Equifax? 720 + and Includes.
~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.


Be reminded that if, I have all the things listed above but, my credit shows some late payments, or even a bankruptcy (that are older than 2 years), then my credit scores fico scores, beacon scores, could still be in the 700's if I have good open credit. So always get and keep good lines of credit open, current and active.

 

Realize that a stable working income and budgeting are the best cures for a bad credit history or past poor credit history. If I cannot pay my bills, loans and credit cards because I lost my job, then I have to find other 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 credit history hygiene

1. Make sure all credit history files included in past bankruptcies show up on my credit history report as zero balance and included in bankruptcy. 

2. Putcredit fraud alerts on credit history reports totally free, that have potential credit fraud, due to  identity theft, stolen credit cards or even a stolen wallet, purse or pocketbook.

3. Creditors are calling, my score is falling I can't pay all my bills! Get instant advice here totally free. The debt consolidation quote is free so hurry and find out what options are available totally free.

4. Not all bad credit can be helped legally. Companies cannot get a new credit identity legally. New identities are scams and illegal!

5. Helpful free credit help websitesFTC     Consumer credit counseling 
    Money Management       Home Buying Institute

Get your Free Credit Score from CreditReport.com - fast, free and easy! 
Free Personal Credit Score Analysis Included. I use this site because I know I cannot fix what I cannot see or understand!