“No Credit, New credit, Low Credit Score: Expert Advise On Improving Credit Score” plus 3 FREE BONUSES books “Top 66 Ways To Save Money” $9.99 Value! … Best Self-Improvement E-Book” $12.99 Value! Reviews
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Discover the quick and easy credit fix secret to boost your FICO score hundreds of points in a very short time period. Who Else Wants To Boost Their Credit Score To Repair Financial Damage Constantly Hanging Over Your Head? Don’t let bad credit hold you back from achieving what you and your family wants.
Less than perfect credit is not a permanent situation. If you’ve made financial mistakes in the past (and who hasn’t), it’s not too late to start repairing your credit today. When you know the little tips and tricks you can use to convince the credit bureau’s your trust worthy. You can leave the loan officer’s chair confident that the deal will have a happy ending. It’s all about knowing how to play the credit game. And you can play the game like a master with…
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Airline Fares, Car Rental, New Cars, Used Cars
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Family Budgets: A Brief Introduction
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Family Budgets Defined
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Part 1.pg 5
Entering the Phase State
Chapter 1 – General Background
Chapter 2 – Indirect Techniques
Chapter 3 – Direct Techniques
Chapter 4 – Becoming Conscious While Dreaming
Chapter 5 – Non-autonomous Methods
Part II.pg 91
Managing the Out-of-Body Experience
Chapter 6 – Deepening
Chapter 7 – Maintaining
Chapter 8 – Primary skills
Chapter 9 – Translocation and Finding Objects
Chapter 10 – Application
Part III.pg165
Auxiliary Information
Appendix.pg214
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101 Powerful Tips For Legally Improving Your Credit Score! Reviews
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Here is just SOME of the information you will find inside:
* What’s a good credit score? And at what score should I start to be worried.
* Even if you pay all your bills on time, you may still have marks against your credit. See why here.
* 3 top credit agencies and how to keep tabs on them.
* 4 ways the credit bureau’s look at your lending history – and how important each view is.
* 3 ways to boost your credit score (and it’s not just paying your bills).
* 10 steps to protecting your identity from thieves who may destroy your credit on their joyride across the country.
* 4 steps to take right away if you think you’ve been a victim of identity theft. It may not be too late.
* 5 common credit mistakes you may commit if you don’t know about them in advance.
* How not having any debts may actually hurt your credit score.
* How to dispute bad marks on your credit report.
* After you contact the credit bureau about an error in your credit report, make sure you contact these people next.
* The truth about “free credit reports” online.
* 3 ways to start building up trust after a major credit disaster.
* When to consider declaring bankruptcy.
* 5 organizations that can help you when you’re in over your head.
* When you should fear credit repair companies.
* 6 common scams some credit repair companies try and pull.
* How to use your bank as an ally in your fight against bad credit.
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101 Tips for Legally Improving Your Credit Score
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When will my credit score start improving?
Question by xsaraxamx: When will my credit score start improving?
For the most part, I’ve paid my credit cards on time and have had good credit reports. But last month, I was in a bad financial situation was not able to pay my Shell gas card. I was able to pay it a few weeks after it was due, but now it shows that I have a delinquency on my credit report. When will that go away? Also, it made my credit score go down about 50 pts. If I continue to pay all of my credit cards on time each month, when will my credit score improve?
Best answer:
Answer by bdancer222
If you were only a few weeks late, credit card typically don’t report that to the credit bureau. You get hit with a late fee. The payment usually has to be 30 days late before it is reported. Are you sure it was only a few weeks?
You will need at least 24 months of consistent, on time payment history to overcome that late payments. Most of your score is based on the previsou 24 months.
Know better? Leave your own answer in the comments!
Categories: Credit Score Questions Tags: Credit, Improving, Score, Start
Get a Good Credit Score
In my opinion having a good credit score is one of the most important things in life! Anyone can maintain a high credit score no matter how rich or how poor you may be if you learn how your credit score is made up. In this article I will tell you how your credit score is made and what you can do to make your score as high as possible.
35 %- Payment History
The most important thing you can do is PAY YOUR BILLS ON TIME! Even if you are paying the minimum it is better than paying late. Although late payments stay on your credit report for 7 years the effect of late payments on your report lessens throughout the years.
30%- Debt to Credit Ratio
This is the percent of available credit you are using on your credit cards. If you have 5000 dollars available credit and have 2500 dollars charged up your debt to credit ratio is 50% which is not too good! They say you want to keep it below 30% but I think its best to keep it 20% or below. So one of the most important things to do immediately is to pay down your credit card balances. Also do not close accounts you do not use. Keep them open so you have more available credit…but DO NOT USE THEM! CUT THEM UP!
15% Length of Credit History
Having a long credit history helps your credit score so keep old accounts open even if you are not using them.
10% Inquiries
Every time you apply for a line of credit there is an inquiry on your report. Having too many inquiries in a short amount of time is bad. So even though store credit cards seem like a good idea to open because you may get 10% off your purchase it may hurt you in the long run. Inquiries only stay on your report for 12 months so it is easy to fix if that is a negative on your credit report.
10% Mix of Credit
Having a mix of credit (credit cards, home loan, student loan, auto loan etc) is what they want to see on your credit report. It shows that you can handle different kinds of credit.
So the first step in improving your credit score is to get your free report from AnnualCreditReport.com and go over it and see where you need to improve. It is important to make sure everything on your report is correct. If you find something that you believe is false you need to dispute it immediately. Good luck!
Written by CS0621
Categories: Credit Score Articles Tags: Credit, Improving, Score
Improving Your Credit Score
Improving Your Credit Score
Improving your credit score is a lot like sticking to a diet – it takes time and discipline and you will only see results after sticking with it for a significant amount of time. Unfortunately, there are no quick fixes when it comes to credit since so much of the scoring is based on patterns defined over time. Since the collapse of the housing market due to sub-prime mortgages and the banking crisis in America, it is much more difficult to obtain credit in general, never mind if you’ve had credit problems. Correcting issues on your credit report can be time consuming, but with some work you can clear it up and become a low risk borrower once again.
Collections and delinquent payments can negatively affect your credit score significantly. Paying your bills on time, even if you only pay the minimum amounts, is a major factor in increasing your overall credit score. The longer you meet your payments on time, the more your score will improve. Use your credit cards sparingly, but not too sparingly. Even if you pay your bills in full every month, racking up big balances hurts your credit score. On the other hand having a zero balance is not desirable either. Try to remain at no more than 30% of your limit at all times.
Be aware that any collections on your account remain there for seven years, regardless of whether or not you pay them off. After seven years they can no longer negatively affect your credit score, but up until the seven year mark they are there for your potential creditors to see regardless of whether or not you have paid the debt.
Contact a legitimate credit counselor. You need to be careful since there are lots of scam artists looking to take advantage of those who are desperate to improve their credit or to get out of debt. Also look to pay debt off rather than simply moving it around. While many people think they should pay down the debt with the highest interest rate, it’s actually a smarter move to pay the debt that is closest to its limits since one of the factors considered in your score is your debt to available credit ratio.
Do not look to open several new accounts all at once. This will bring your average account age number down and negatively affect your score, particularly if you have only been managing credit for a short while. Any flurry of activity like this will hurt your overall credit score.
Having credit cards is OK, as are installment loans (i.e. furniture, appliance, etc.) and it’s considered a lower risk than someone with no credit cards provided that you are timely with your payments and manage them responsibly. Resist the urge to consolidate your credit card debt onto a lower interest card. It’s better to have a small balance on several different cards, than one big balance.
Written by DuncanO
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Categories: Credit Score Articles Tags: Credit, Improving, Score
Financing A Home: Improving Your Credit Score
Article by Gary McArdle
Today there are many homes for sale with low prices and low interest rates. Housing is more affordable now than it has been in many years. Considering the current market, why isn’t everyone snapping up homes? The truth is, many first time home buyers are jumping into the market and getting in on this affordable housing opportunity. Real estate investors are also very active as they see this unique opportunity to build their wealth. The unfortunate reality for everyone right now is that even though homes are more affordable now than in many years, lenders are very picky about who gets a loan and who does not. And your credit score is one of the primary indicators of whether or not you will get approved for a loan and what your interest rate will be.
Just a few years ago a borrower with a credit score as low as 500 could buy a home. Today that score needs to be a minimum of 620 to 640. And to qualify for the best interest rates you better have a credit score in the 700’s. No matter what your credit score is, you should know it. If it is not close to 750 you should resolve to get there and here are some easy tips to help improve your credit score.
Let’s take a look at what information on our credit report determines your score, then we will give suggestions on how to improve in each of those areas
35% or your credit score is attributed to your payment history which not only includes actual payments to your creditors, but it includes things such as collections, judgments and tax liens. With this in mind you always want to make sure you make your car, credit card and loan payments on time. Many lenders also require verification of rental payment history, so you will want to make sure you pay your rent on time as well. By the way, a payment is considered on time if it is paid within 30 days of the due date. If you have collections, judgments or tax liens on your credit, you will have to provide proof that these were paid. If there are unpaid collections you can in many cases negotiate a settlement for less than what is owed. From a credit scoring standpoint this is almost as good as paying in full as long as it is reported as satisfied in full on the credit report.
In addition, you can make a payment arrangement for tax liens and after 12 months get those rated for your credit report which will help. Judgments are required to be paid in full at the close of a loan, and you will need to get it paid and the credit report updated in order to improve your credit score. In many cases with a history of late payments we have to say, time heals all wounds. In other words, it may just take a year or so of making your payments on time to get the credit score you need. If you have items on your credit report that are incorrect, then you can dispute those items to get them corrected with the credit bureau.
30% of your credit score is attributed to how much you owe on your credit card as a percentage of total credit limit. Let me give you an example: If you have one credit card with a ,000 limit and you owe 0 on this card, your percentage of credit usage is 75% and your available credit is 25%. The lower the usage percentage the higher your credit score will be (all other factors being equal). There are 3 ways to improve this number. You can accomplish this by paying your credit card down as soon as possible. You can request an increase in the credit card limit. And you can also open up new cards. For the last two, you will need to exercise some caution however. When you request an increase in your credit card, you should ask your credit card company if they can do this based on the merits of your payment history with them. If not they will create a credit inquiry which can lower your score just a little bit. In my opinion it would probably still be worth the credit inquiry deduction from your credit to get your credit limit increased. I believe that in most cases you would have a net gain in credit score, but there have been times when I’ve seen it drop at least in the short term. By the way, do not increase the balance on your credit card when your limit goes up or you will have just undone the improvement, but now you owe more money and still have a low credit score. Similarly, when you open up a new credit card, you end up having a couple of strikes against you which is the credit inquiry and the new credit account. More about both of these in a moment.
15% of your credit score is attributed to your length of credit history. So Let’s have another example: Let’s say you have 2 credit cards. You have had one of the credit cards for 5 years and the other card for 3 years. So on average your credit cards are 4 years old, and so your credit score will reflect this 4 year average length. Now if you open a new card, you reduce your average down to about 2.7 years from 4 years. So initially at least this can have the effect of lowering your average length of credit and reduce your credit score accordingly. That is one of the reasons that opening new credit is not a quick fix for bumping your credit score up. However lets take a look at it a year from now. In one year from opening the new credit card your average length would be at 3.6 so if this is part of a longer term strategy then it would probably be a good strategy to follow.
10% of your credit score is attributed to new credit, so once again you can see that opening a new credit account not only lowers your average length of credit, but it also counts against you on a stand alone basis as well. This is also why an inquiry affects your credit score as well. When there are inquiries, it is “assumed” by the system that you are acquiring new credit whether you are or not. For example, if you had your car at the dealership to be fixed and while you were waiting you were taking a look at a new car and ended up making an offer which the dealership knows you will be financing, they will make sure to run your credit (with your permission of course). So even though you end up not buying the new car, the credit inquiry is on your credit report and will slightly lower your credit score. By the way, all inquiries reported in a 30 day period from similar companies will be treated as one credit inquiry. So if you are going to be buying a car or shopping for a mortgage, try to get all of the inquiries put in within 30 days to lessen the effect of multiple inquiries.
The last 10% of your credit score is attributed to the types of credit used, or what we call credit mix. It is good to have both credit cards, car loans, mortgages and installment loans on your credit report. For most people it will take time to accomplish all of these, but beware that someone who always uses high interest rate, high risk lenders will have lower credit scores as well. I cannot mention them by name of course, but it is the lenders who would be considered a finance company, and makes high interest rate and unsecured loans for household goods that will decrease your credit score. Now it is not bad to have an account with this type of company. Many of them work with stores to offer no interest, no payments for 90 days or longer. As long as you are not using them with regularity. Once established you should be able to qualify for reasonable rate credit cards or even an installment loan at a bank or credit union with a competitive rate as well. So bear in mind as you build your credit and credit score that these factors all contribute to your overall score.
A couple of other thoughts for you. Many folks ask me what this or that will do to your credit score and unfortunately no one can tell you exactly as credit scoring is somewhat like Kentucky Fried Chickens secret recipe of 11 herbs and spices. It is a closely guarded, highly sophisticated set of algorithms that combines all the above stated factors and reduces them down to a simple 3 digit number that is supposed to represent your likelihood of paying back the loan or credit card you are applying for. You may want to connect with a lender who can assist with guiding you through the process of improving your credit score. There are also a large number of companies who will, for a price, work on your credit score for you. There are no guarantees with these services and in addition, they are usually fairly expensive and many of them are just plain rip offs, so you would need to approach this avenue with a great deal of caution.
Finally, as a consumer of credit services and possibly as someone who want so purchase a home, you should make it a priority to take control of your finances and your credit score and find out what your credit score is and work hard to bring it up or maintain it.
Gary McArdle is a Branch Manager/Mortgage Consultant in Gig Harbor, WA and originates loans in Washington and Oregon. He has been involved in finance for the last 30 years and in the home loan business for the last 20 years. He can be reached by email at gmcardle@windermere.com
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