Your Guide To Perfect Credit Reviews
Your Guide To Perfect Credit
In the book you will discover everything that you need to know about credit, debt and debt management. The decision that you made to obtain this book was one of the most important decisions that you will make in your life. It is a decision to become educated in an area of your life where average people have little or no knowledge, yet most are swimming in a sea of debt. Some are drowning! So your decision to reach out for help, to educate yourself, was truly a wise one.In the book you will discover everything that you need to know about credit, debt and debt management. The decision that you made to obtain this book was one of the most important decisions that you will make in your life. It is a decision to become educated in an area of your life where average people have little or no knowledge, yet most are swimming in a sea of debt. Some are drowning! So your decision to reach out for help, to educate yourself, was truly a wise one.
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Credit Score Blueprint: Tips, Tricks and Secrets to Building a Perfect Credit Score
Credit Score Blueprint: Tips, Tricks and Secrets to Building a Perfect Credit Score
Surveys show that 52% of Americans do not understand how credit scores work. And of those who have a general knowledge of credit scores, the vast majority of Americans are misinformed as to which factors affect their score.
Your credit score could potentially save (or cost) you hundreds of thousands of dollars on loan payments over the course of your life. So why risk making financial decisions based on common myths that are widespread even among those who consider themselves “credit experts”?
The Credit Score Blueprint exposes myths, answers questions, and most importantly lays out exactly what determines your score; all in an easy-to-read format with charts, resources and quick facts planted throughout. No fluff and no ridiculous strategies that are doomed to fail; just simply a blueprint to building a perfect credit score.
Inside:
5 categories that determine your score
Factors that don’t affect your score
Other elements (besides credit score) that impact your interest rates and loan eligibility
Credit cards that even people with beyond bad credit will get approved for
How to get 3 free credit reports every year (no credit card required)
Credit score myths exposed
Common questions answered
18 characteristics of people with a FICO score of 760 or higher
Unknown tricks to instantly raise your credit score
Links to resources such as sample letters and templates (for disputes), contact information for the credit bureaus, tools for identity theft victims, and credit related laws enforced by the FTC
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How to Keep a Perfect Credit Score
A perfect score of 850 may just be a technical perfection since it is very rare to see people with a credit score as high as this. A good perfect score usually includes the following: a mortgage that is over three years old, one or two auto loans that are more than two years old and less than five credit cards with very low balances that are over 2 years old.
Build up your personal credits
If you want to start out by buying things out of credit, you should enroll yourself first to credit card companies so they can already provide you with credit cards. You may need the help of a family member or friend to sign the papers for your first. These companies may also need proofs that you can pay your monthly bills. A good example is a letter of employment from your company.
Avoid delayed payments
Aside from not being able to pay late payment processing charges, paying on time is vital to maintain a good credit score. A single delayed payment can already have a huge impact on one’s credit score and every credit detail matters. If you have billing disputes, you can still pay on time and wait for your disputes to be resolved. Anyway, you will be receiving refunds in case your dispute gets approved.
Maintain a low credit card balance
It is always recommended to maintain a limit of 25% or below when it comes to your credit card balance. By doing so, it will show credit card companies that you are still interested in paying off your debts and is a good borrower. Some of these companies will even maintain or increase your credit limit.
Avoid too many credit lines
Instead of making you look reliable, too many credit lines will show that you don’t monitor and take care of your debts. If you have a credit card that has been inactive for a couple of months, make small purchases out of it or you can just cancel the card. Using them will reflect your capability to purchase and pay the bills on the due date.
Always pay the minimum on due dates
To avoid credit reports, always pay the minimum balance every due date. If possible, pay more than the minimum. Credit reports may lower down one’s credit score. Paying even the minimum balance will show that you are still trying to pay off your debts and is working on getting them paid.
Live within your means
If you own a number of credit cards, it does not exactly mean that you can just swipe them anytime you want and make purchases. Before swiping that cute plastic of yours, ask yourself if you can handle to pay the monthly bills. Don’t take on more debt that you can handle.
Keep revolving balances low
If you are planning to apply for significant loans in the future, reduce your balances at least 60 days in advance of your planned application date. This is because credit bureau balance updates are lagging and the credit scoring model puts major importance on the amount of your revolving balances.
Hire a consultant
If your low credit scores are consistent, it may be time for you to hire a consultant and pay him for credit repair. One’s credit is important and most credit repair services are affordable. Think of it as an investment.
Written by iwizard
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Categories: Credit Score Articles Tags: Credit, keep, Perfect, Score
The Perfect Score: 6 Simple Steps to Improve Your Credit Score (Law for Laymen Series)
The Perfect Score: 6 Simple Steps to Improve Your Credit Score (Law for Laymen Series)
Your credit score can either save you money or cost you money. It can make the difference between you getting credit or not getting credit. And, it can be used to determine how much you’ll pay for credit and how much you’ll pay for insurance. All in all, your credit score is a very important number. Without question, it determines your financial future.
But, most people don’t even know their credit score. And, if they do know it, they have no idea how to improve it and make it better.
If you’re one of those who has no idea what your credit score is, this book will open your eyes to a whole new world. And, if you’re one of those who knows your credit score but have felt helpless to do anything to raise it, this book is for you!
Don’t fall prey to the many credit repair scams circulating around the Internet. It is possible to improve your credit score legally and legitimately. This book shows you exactly how to do that.
Written in a conversational style you’ll get a proven action plan for building your credit, fixing your credit, improving your credit and maintaining your credit.
Your credit score can either save you money or cost you money. It can make the difference between you getting credit or not getting credit. And, it can be used to determine how much you’ll pay for credit and how much you’ll pay for insurance. All in all, your credit score is a very important number. Without question, it determines your financial future.
But, most people don’t even know their credit score. And, if they do know it, they have no idea how to improve it and make it better.
If you’re one of those who has no idea what your credit score is, this book will open your eyes to a whole new world. And, if you’re one of those who knows your credit score but have felt helpless to do anything to raise it, this book is for you!
Don’t fall prey to the many credit repair scams circulating around the Internet. It is possible to improve your credit score legally and legitimately. This book shows you exactly how to do that.
Written in a conversational style you’ll get a proven action plan for building your credit, fixing your credit, improving your credit and maintaining your credit.
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Improve Less Than Perfect Credit Score and Repair Credit Card Debt
Article by New Credit Applications
Improve your credit score by repairing credit card debt even if you have less than perfect credit. Alleviating credit card debt is the best way to repair your credit score and improve your less than perfect credit. Once your credit card debt is repaired your credit score will improve thus allowing you to once again obtain new credit cards and receive instant approval online.
There are five simple steps to improve less than perfect credit by repairing your credit card debt. Following these simple steps to repair credit card debt can improve your credit score by nearly a 100 points.
The first step to improve your less than perfect credit score and repair credit card debt is to obtain a copy of your credit report. Pull your credit report from all three bureaus to see what is negatively impacting your credit score. You can obtain a free credit report annually from http://www.annualcreditreport.com.
The 2nd step is to reduce the number of credit collection accounts that are negatively impacting your credit score. These negative credit marks will hurt your chances of obtaining a new credit card. After reviewing your credit report write a dispute letter to each credit card bureau (Experian, TransUnion, and Equifax) via certified mail. Dispute every credit collection or negative credit card account that is listed on your credit report even if the account are in fact legitimate. Credit card companies and creditors have 30 days to respond to the bureaus to state that the negative items are in fact owed by you. If they do not respond they have to drop the negative credit accounts or collection items from your credit report thereby improving your less than perfect credit almost instantly. It’s also best to send in dispute letters during holiday months when they are understaffed and overworked. You can also request that any old accounts (older than 7 years) be removed from your credit report. They have to do this by law, but don’t have your oldest credit card account removed if it’s not negatively affecting your credit score. The longer you have established credit the higher your credit score will be. This ultimately will improve your less than perfect credit by boosting your credit score significantly. Most people experience a 100 point increase in their credit report from this step alone.
The 3rd and most important step in repairing your credit card debt is to establish two new lines of credit instantly. There are several new credit cards to choose from with different perks and APR’s. You can compare new credit cards and complete a new credit card application online http://EasyCreditApp.NewCreditApplications.com/ for instant approval on most applicants. Applying for new credit can initially lower your score by just a few point due to the number of inquiries that post to your credit report so only apply for credit cards that you have a better chance of obtaining. You can start with a prepaid visa that has a built in credit builder program designed for people with poor credit.
The 4th step in repairing less than perfect credit is to maintain a good standing with the new lines of credit you recently obtained from New Credit Applications. As a rule of thumb its best not to purchase anything on credit that you will not have when the credit card statement arrives or only charge something that you pay each month anyway like your electric bill. Charge it and then pay it off as soon as the bill arrives. Don’t use your new credit cards for anything else. Put them in a drawer and forget about them. Remember the key is to keep them in good standing not to charge things that you cannot afford or that you will not be able to pay for in full when the bill comes in. Learning responsibility can also play a key role in repairing your credit card debt. Which most of us learned the hard way and believe that once we are able to get a second chance we will look at credit in a whole new way.
The 5th and final step is to routinely monitor your credit report and credit score. Your FICO score is the most important number that your creditors see when deciding your credit worthiness. My personal favorite is http://www.myfico.com for the best score watch system that is available today. You can also obtain your score for free at http://www.creditkarma.com, but it varies from the official FICO credit score.
New Credit Applications is committed to helping those who don’t have a credit card or who have had credit lines taken away in the past. Easily apply online for instant approval for the credit card that most fits your needs!
You may also be interested in WalletHub, which recently became the first and only website to offer free credit scores and full credit reports that are updated on a daily basis.
Perfect Credit: 7 Steps to a Great Credit Rating
Perfect Credit: 7 Steps to a Great Credit Rating
- ISBN13: 9781932450996
- Condition: New
- Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!
Perfect Credit is the definitive guide to getting and keeping outstanding credit. Think of this book as a roadmap for anyone hoping to establish picture-perfect credit, make improvements to have stellar credit, or simply maintain a fantastic credit standing. Right now, roughly 220 million Americans have credit files maintained by the “Big Three” credit bureaus: Equifax, Experian, and TransUnion. Of those individuals, about 40 million Americans (roughly 1 out of 5), have very poor credit, or “deep subprime scores,” according to Experian. Another 50 million adults in the U.S. have no credit files – either because they’ve never used traditional forms of credit, or because their credit files are “too thin” to generate a credit score. Perfect Credit offers all these consumers an easy-to-follow blueprint on how to get superb credit – and how to sidestep numerous credit traps and pitfalls along the way.
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