Getting a copy of your credit reports from all three bureaus is the first step to credit help. Once you obtain your reports you can then study them and see what is negatively affecting your credit and how you can fix it quickly. Remember that it is hard to fix what you cannot see.
2. Reduce
the credit to debt ratio on loan
balances
These two statements are on many
if not all credit reports: “Proportion of loan balances to loan amounts is too high. Proportion of
balance to credit limits is too high.”
Take these statements to heart and lower
your debt ratio on your credit cards to
less than 50% and 30% is even better. This
one techniques alone can raise your
credit credit score by 10-100
points almost instantly.
I can raise my score 25 -
250 points in 15 - 30 days IF,
I
pay credit card debt or loan
debt to less than 79% of your high credit limit,
catch up on any payments that are 1 day late, or get some bad credit removed by dispute,
validation, negotiation or payment.
3. Dispute, Validate then Negotiate bad
debt
Dispute
any past old debts. Then Validate
the Debts. The Negotiate
the Debts.
Most creditors will work with you to
lower interest rates, extend loan
repayment periods and eliminate late
fees. Many people will duck their head
into the sand and not address credit
problems. By calling your credit you can
avoid costly mistakes and even protect
yourself with lower fees, interest and
better terms. This can raise your score by
25-100 points. So call your creditor and
work out a plan the benefits you both.
Raise
credit score fast | FICO Beacon quickly
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4. Pay Off Debts
After you have negotiated with the
creditors, get something in writing on
company letter head that says" if
you pay off collections and bad
debts in full with fees they will remove
the bad credit or at least mark the
account. This can potentially raise your
score by 10-80 points fast.
5. Dispute errors or wrong account
information
You may have paid off a debt that still
shows a balance outstanding. Getting
this fixed quickly will raise your
credit score just as fast by 10-80
points.
Here are 5 items you should
concern yourself with.
~ Late payments, charge-offs, collections
that aren't yours.
~ Credit limits reported too low or less than they
really are.
~ Accounts listed as "settlement
accepted," "charge-off" or anything other than "current" or "paid as agreed" if you paid on time and in full.
~ Anything listed as unpaid that were included in a bankruptcy.
~ Bad credit than seven years (10 in the case of bankruptcy)
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