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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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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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Credit blog keyword
paid in full
collection
credit cards
Always call and try to negotiate a signed plan deal before paying
in full. I never know what I might get for good behavior unless I ask
FIRST. Each account and situation is different. Millions and millions of
decision are made per day. Be one.
Credit report charge off paid in full.
If I get a charge off negotiated to show paid in full, my credit score
might
improve 10-50 points depending on other credit on my report. When a charge
off goes from 100 dollars owed to paid in full, that account goes from a
100 percent debt ratio to a 0% debt ratio. That helps my score in the
long run no matter what.
How do I get a the bureau
or creditor to delete or remove a paid collections
off my report?
-
If I have paid off collections in the past and
wonder why they are still on my report than join the crowd.
-
When I pay off a collections they do not go
away, they only show up as paid.
-
If I want collections removed I always
have to negotiate before I pay.
-
The good part is my debt ratio is 0, potential
future creditors will see I pay my bills and after two years pass
the account will not affect my score if I have current open,
reported and rated credit.
-
If I cannot contact the past creditor I
dispute paid
collections and hope.
How do I get a paid credit card
charge off removed from my credit report?
-
Call and re open the past bad credit card accounts.
Pay good for 1 to 2 years then beg them to only report the last
year, or 2 years, of your new good credit.
-
Super best number one way to improve my credit
report score fast and a lot.
Will it improve my credit score to close credit card accounts?
Does closing credit card accounts help my credit score?
-
Some bankers do say if I have several credit cards with huge
amounts of useable open credit, that my credit rating will benefit by
closing some a few cards. Lots of open possible credit make bakers think
I could get into financial trouble fast. I do not know of a case where
closing good credit cards helped credit scores.
-
Closing credit card accounts does not usually
raise my credit rating. In fact closing cards can hurt my
totally free credit
score if
I close accounts that have balances.
- When I close an credit card that has a balance, it shows I may have become emotionally detached from
paying a creditor. Closing a credit cards with open balances can drop scores up to 50 points.
- The creditor or credit card company will likely drop my high credit
limit each time I make a payment. This action shows a 100% debt ratio
mine needs to be 80% or less.
- My credit for the past 2 years makes
the most difference on my credit report as far as scores go. Anything
more than 2 years old hurts or helps very little if I have current good
credit.
If I pay off credit cards, loans, collections and charge offs.
Will the bad credit and lates come off my credit report and improve my credit rating?
- Credit cards, loans and collections will not come totally off my credit report unless
I negotiate
and get an agreement
before I pay.
- The reported accounts will show up as paid in full but will still
show past late payments unless negotiation works.
- The best way to improve my credit rating is to negotiate before I make payments
or settlements to improve my credit score.
- All credit good credit and bad credit will remain on my report for at least 7 years even after
full payment and closed accounts.
Will it hurt my credit score to pay off old collections or bills?
If I can't find the creditors to negotiate with I
dispute the bad credit.
If I am actively attempting to improve my credit score and credit
rating by paying off collections, credit cards and creditors I need to
monitor my progress with a trusted unlimited
totally free credit
score
offer.
Here are the best ways to improve my credit score by negotiation and
paying bills.
-
I pay off and re open any past bad credit cards and
negotiate after 6, 12 and 24 months to report only the current good
credit.
-
I contact creditors and get
agreements to remove or update reported bad credit accounts with paid as
agreed and in full marks. I use my payment "in full" including
fees as negotiation leverage.
-
I print off this legal
improve my credit score dispute form
and study the
instructions that come with the form. I use certified priority mail.
-
If I cannot find a creditor to
help me improve my credit score fast, then I dispute the account
fast. I get a letter from the bureau in 10 - 40 days either removing bad
credit or a verification contact form.
-
I lower my debt ratios to less
than 80%. Debt ratio is the amount of money I owe (lets say a credit card) compared to the amount of money
I am "approved" owe. If I
have a credit limit of $10,000 and I owe $8,500 then I need to lower the amount I owe to 7,999 or less.
Reduce these and
my score will go up in 15 - 45 days. Plus it is
free. All I have to do is pay back money I already owe.
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.
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bureau credit reports & 3 scores for 14.95 per month
The best for fixing credit, monitoring for fraud, and ID theft over a
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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
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