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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.
Up
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negotiate
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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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Bo's credit question blog keyword
12 Steps to good credit
How fast can I raise my credit rating score.
If I can raise my credit report quickly I can get approved for a low rate home mortgage loan.
I can raise my score 25 -
250 points in 15 - 30 days IF,
I
pay credit card debt or loan
debt to less than 80% of available high credit,
catch up on any payments that are 1 day late, or get some bad credit removed by dispute,
validation, negotiation or payment.
-
I must
have at least 3 reported credit lines
that are current 9past two years) and rated (open at least 12 months).
This is the very best way to raise a credit score 50 -250 points over no
more than a 2 year period and sometimes in as little as 6 months..
-
Pay any credit lines down to less
than 80% debt to maximum high credit limit. If I bought a car or home in
the past year or so my score will be lower because I owe the total I
could borrow. One could borrow the total amount and pay the down payment
after the loan originates to pre-empt lower scores with car loans.
-
Negotiate collections, late payments and charge offs
with the original creditor.
-
Validate any duplicate collections with
these forms.
File Complaints with the FTC if a collection agency fails legally verify
they own my debt. Raise score 50 - 100 points.
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Dispute
errors and updates here. Use certified priority mail.
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Have all
3 totally free credit
reports and scores. Quickly decide what bad credit I might have the best chance to
raise my credit score fast. Monitor progress.
-
Pay off
all legally verified debts and ask for total removal or paid in full as agreed when I agree to make
payments or settlements. Raise score 10-80 points fast.-
Eliminate local finance company loans. Local finance company loans look bad and
often times show up in duplicates from refinancing. Raise my credit score 10-30
points free.
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Re open any closed credit cards that are reporting past bad credit and pay
perfect for 1 - 2 years. Then ask the creditor to report only the past
24 months activity because revolving
credit is rated only 24 months anyway. Raise score 100 points.
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If I cannot find past bad
creditors, then I dispute the credit as not mine.
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Learn
how long credit stays on my report and
and the
12
credit help must do's to fix my credit.
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
The free credit reports I am entitled to by law come from each of the
three bureaus with no credit score. They all charge an additional 5 dollars
for each score. Everyone needs to know the score.
When I get unlimited reports or credit monitoring it cost less or nothing
in the end.
Do not get a credit cards or loans unless you know they report credit to bureaus.
I found these links to be the best offers on the internet period.
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A 2002 study by the Consumer Federation of America estimated that
tens of millions of Americans are unfairly penalized for incorrect information in their credit reports. More recently, a 2004 study by the U.S. Public Interest Research Group
found that
one in four credit reports contained errors serious enough to cause consumers to be denied credit, housing, or even a job.
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