The Truth About Your Credit Score: Common Sense Information About Your Credit Score

The Truth About Your Credit Score: Common Sense Information About Your Credit Score

Everyone knows you need a high credit score in order to get a good loan. It’s the single most important factor lenders use when determining whether you’re a credit risk or not. But fortunately no matter what your credit score looks like today, there are simple steps you can take that will boost it to its highest level possible.

That’s why in this hour-long interview you’ll meet Dave. Dave is a credit consultant, newspaper columnist, and author of How Credit Really Works. And according to him, anyone can bring up their credit score – you just need to know how. But the bad news is: your score may be lower than you think. Dave says the credit scores you get online are not the ones most lenders see. In fact, your real score could be more than 100 points lower!

Because there are multiple scoring models used to determine different credit scores, there are sometimes huge discrepancies in what you think your credit score is and what lenders are seeing. So it’s important that you know exactly what determines your score and how you can improve it.

Key Concepts You’ll Learn From This Interview…

What is the ideal credit mix – how many credit cards you should have, how often you should use them and what kind of balance is okay to maintain

What “credit inquiries” are, why they show up on your credit score and how to avoid getting too many of them

Why you should never close a credit card account – even if you’re not using the card – and what you should do instead

Why you should only use finance companies as a last resort

What you need to know about balance transfers, debt consolidation and pre-approved credit card offers

The best place to find credit cards when you need them

And much more

Dave’s been dealing with credit accounts for a long time and he knows all the tricks of the trade. So when he does a consultation, he tells you exactly how to handle every account and discrepancy. He tells you what to say to collection agencies – and what lies you can expect them to say in return. In other words, he tells you how to take a proactive approach to your credit score.

But the key to good credit is in knowing how the system works, and this interview is a great place to start. And after you listen to it, if you’re interested in a detailed evaluation of your credit score, Dave’s including a free copy of his book with every consultation. Enjoy.

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