American Credit Repair
American Credit Repair: Everything U Need to Know About Raising Your Credit Score (Everything You Need to Know (McGraw-Hill))
- ISBN13: 9780071590662
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The Definitive Guide to Raising Your Credit Score
Whether you’re recovering from financial problems or need to pump up your score to qualify for a mortgage, you need reliable information and expert guidance to fix and improve your credit rating. Drawn from years of experience helping thousands of consumers, American Credit Repair empowers you with “Everything U Need To Know…” to raise your credit score.
Everything U Need to Know about
Credit Repair
- Obtaining and understanding consumer credit reports
- Correcting past mistakes and planning for the future
- Disputing inaccurate data on your credit file
- Dealing with collection agencies
- Avoiding foreclosure and bankruptcy
BONUS CD-ROM FEATURES: Ready-to-print forms and letters to repair your credit on your own plus vital consumer protection resources you can’t do without, and much more!
List Price: $ 24.95
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Categories: Credit Score Products Tags: about, American, Credit, everything, Know, McGrawHill, need, Raising, Repair, Score
What Credit score do I need to get the best rate without a co-signer?
Question by David L: What Credit score do I need to get the best rate without a co-signer?
I have around $30K in private student loans that I had my brother co-sign with me on. I am paying Prime + 0% which is really nice, but I wanted to consolidate and use the LIBOR rate (which is lower than prime, I would save over $2000 in 10 years by dropping just 1% point). I have what I think is a very good credit score (760) and wanted to get the best rate so I could try to avoid asking my brother to co-sign again. Is my score high enough to go in alone without a co-signer and get the best rate? Thanks in advance.
Best answer:
Answer by spifiman1
Your score is fine. It depends on what your score is made up of.
Credit score is based on the following;
1. Pay history 35%
2. Time in bureau 15%
3. New credit 10%
4. Type of credit used 10%
5. Debt to income ratio 30%
As you can see 1, 2, and 5 are the most important as far as score is concerned.
The problem that people run into is that they have nothing to qualify them for what they are attempting to borrow money for. Lenders look for whats called “like credit” when they look at a application.
I see people every week with 700+ scores that are made up of nothing but 1 credit card with a $500.00 limit paid 15-times and a couple of student loans and I can’t get them approved to buy a car because they have no “like credit”.
Score is not everything no matter what anyone says.
Know better? Leave your own answer in the comments!
American Credit Repair : Everything U Need to Know About Raising Your Credit Score Reviews
American Credit Repair : Everything U Need to Know About Raising Your Credit Score
The Definitive Guide to Raising Your Credit Score Whether you’re recovering from financial problems or need to pump up your score to qualify for a mortgage, you need reliable information and expert guidance to fix and improve your credit rating. Drawn from years of experience helping thousands of consumers, American Credit Repair empowers you with Everything U Need To Know to raise your credit score. Everything U Need to Know about Credit Repaire Obtaining and understanding consumer credit reports Correcting past mistakes and planning for the future Disputing inaccurate data on your credit file Dealing with collection agencies Avoiding foreclosure and bankruptcy BONUS CD-ROM FEATURES: Ready-to-print forms and letters to repair your credit on your own plus vital consumer protection resources you can’t do without, and much more!The Definitive Guide to Raising Your Credit Score Whether you’re recovering from financial problems or need to pump up your score to qualify for a mortgage, you need reliable information and expert guidance to fix and improve your credit rating. Drawn from years of experience helping thousands of consumers, American Credit Repair empowers you with Everything U Need To Know to raise your credit score. Everything U Need to Know about Credit Repaire Obtaining and understanding consumer credit reports Correcting past mistakes and planning for the future Disputing inaccurate data on your credit file Dealing with collection agencies Avoiding foreclosure and bankruptcy BONUS CD-ROM FEATURES: Ready-to-print forms and letters to repair your credit on your own plus vital consumer protection resources you can’t do without, and much more!
List Price: $ 24.95
Price: