credit repair for couples | credit repair myths

Jul 24, 2015 Credit Repair Book: Ex Credit Bureau Manager Reveals Credit Repair Secrets RELATED FAQS
Search FICO uses five major components in the equation that produces your credit score. Those five include: Attractive mortgage rates Feb 13, 2015
Email Address 5.0 celona316’s response was:     Free score, Finance a car or other purchase $24.07 Opportunities Why do you say not to dispute negative items on your credit report?  If something is incorrect why would you let it stay on your report? That makes no sense.
It’s important to note that repairing bad credit is a bit like losing weight: It takes time and there is no quick way to fix a credit score. In fact, out of all of the ways to improve a credit score, quick-fix efforts are the most likely to backfire, so beware of any advice that claims to improve your credit score fast. The best advice for rebuilding credit is to manage it responsibly over time. If you haven’t done that, then you need to repair your credit history before you see credit score improvement. The following tips will help you with that. They are divided into categories based on the data used to calculate your credit score.
The length of that shopping period depends on the credit score used. + READ ARTICLE What links here
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From the Experts at Credit.com Midwest City jac4all’s response was:     Understand How Your Credit Score Is Determined
How Does Principal & Interest Work for Term Loans? Social & Media If you choose to settle with a lender for less than the total owed, the arrangement will show on your credit report and may drop your score depending on how it is reported. Some lenders will simply mark it as paid, which has a positive affect on your score. However, if they show it as settled, your score may suffer. Although you can negotiate with a lender as to how they will report the settlement, you ultimately have no control over what they will do.
How You Handle Debt Affects Your Credit Score You’re also entitled to a free credit report if you’ve been turned down for credit because of something on your credit report, if you’re currently receiving government assistance, if you’re unemployed and planning to look for a job soon, or if you think you’ve been a victim of credit card fraud or identity theft. Some states even have laws that let you get an additional free credit report each year. All these free credit reports should be ordered directly through the credit bureaus.
• Assess your debt situation One of the replies said to cancel the CC to increase your score & I’m pretty sure that is incorrect.  9.6 Out of 10 Posted in Credit Scores
Find Savings & Credit Cards I really like Credit Karma because it’s free, provides detailed information about changes to your credit score, you can link all your accounts to monitor your debt to savings ratio, and they even provide suggestions for financial products to apply for and why.
We will always keep you informed throughout the credit repair process and discuss the action plans put into place to challenge the inaccuracies on your behalf. Educating you on ways to establish better credit is very important to us. Therefore, we provide you with customized tools, and educational tactics that will help you maintain a healthy score!
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hcharif’s reply was:     Identifying specific items in your credit report that can be disputed. Last Name Made Easy Alexa TalleyKarma
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Check your free credit report Should I File for Bankruptcy? Financial Tools OUR LATEST ARTICLE May 18, 2015
Canadian Mortgage Calculator You have the right to dispute any information in your credit report that’s inaccurate, incomplete, or you believe can’t be verified. When you order your credit report, you’ll receive instructions on how to dispute credit report information. Credit reports ordered online typically come with instructions for making disputes online, but you can also make disputes over the phone and through the mail.
see all If you have a bunch of maxed-out credit cards, you could elevate your scores by nearly 100 points by paying them all off, says John Ulzheimer, a credit score expert who has worked at FICO and Equifax.

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11 Replies to “credit repair for couples | credit repair myths”

  1. Planning for Retirement
    Catrina01’s reply was:    
    Check each of your credit reports annually for errors and discrepancies.
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  2. If you’re repairing your credit on your own, you determine how fast this part of the process goes because you’re in the driver’s seat. If you pay a credit repair service, the company will help you expedite so this gets done as quickly as possible.
    By mail – You can also send a letter to each credit bureau disputing the items on your report. The downside to this method is the mail time it takes to send and receive your investigation results by mail. Here are some sample dispute letters you can send to the credit bureaus.
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  3. How Can You Get a Free Credit Score
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  4. 3 People Helped
    Don’t close unused credit cards as a short-term strategy to raise your scores.
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    Let’s say Jason and Betsy both increased their credit line by $500. Jason’s balance was at zero, so he now has $1,000 in open credit that’s not being used. Betsy’s credit line was maxed out at $500, so the new credit line increase only gives her $500 in available credit. So, they both performed the same action, but will have very different outcomes.
    What can and DOES change is whether you have a collector pursuing you for the debt. If you are talking about a dormant account that has been in collections and has finally been left alone with no collections activity for a few years, messing with it can be problematic from the point of view that the collections people will start pestering you again to see if they can get money and if the SOL isn’t up, they can start reporting on it again which can affect your score or they could even file suit if your state SOL isn’t up.
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    You defaulted on one loan, and now it’s showing up as multiple defaults on your credit report because it’s been sold to debt collectors.
    30% Total available credit: This is what makes up your credit utilization ratio. To determine your utilization ratio, take the amount of outstanding balances on each account and divide it by your total credit limit. So a credit card with a $5,000 credit line that has $3,000 in used credit would be a 60% credit utilization ratio – not so good.

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  7. Now, for this to work, you’ll need to find someone who loves you very much and who manages his or her money very well. Once you find this very special person who is going to do you a huge favor, explain you have no intention of using the credit card. You just want to be added to their account as a way to build credit.
    Your guide to credit scoring
    It is important to know that most credit scores on the internet are NOT the same scores lenders use. Over 90% of lenders use FICO Scores. The other credit scores out there are called “educational credit scores.”
    Credit mix (10%): FICO likes to see a mix between credit cards, mortgages and auto loans … as long as you can afford them! Don’t take out another loan in hopes it will improve your score. This category doesn’t’ count enough in the overall equation.

  8. Helpful to 37 out of 98 people
    If all debt is unsecured, a creditor may be suspicious of a borrower’s ability to get an installment or secured loan, like a mortgage, auto- or student loan. Mixing loan types (secured and unsecured) may result in a more favorable score and a more reliable borrower. 
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  9. Assuming unemployment isn’t the issue, job stability is a good indicator to lenders that you will make good on your debts. If you have a spotty resume, make the choice to stay in your current position for at least a year or two to build lenders’ confidence. Of course, don’t hesitate to take a new job if it comes with a sizeable bump in salary.
    RebeccaAnn33’s reply was:    
    We recommend pulling a credit report from a reliable source such as Annualcreditreport.com, Myfico.com or from a lender. Once you’ve obtain a copy of your credit report, contact Blue Water Credit for a risk-free consultation on how to maximize your FICO scores. We are headquartered in Sacramento and also offer credit repair services in San Jose and Las Vegas
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  10. Jacksonville
    Welcome back.
    For example, if you have a $10,000 credit limit and a $5,000 balance, your credit utilization is 50 percent. If you’ve maxed out that $10,000 limit, your utilization is 100 percent.
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    When looking to improve your FICO score, you should regularly check your credit report, set up payment reminders, and work to reduce the total amount of debt you owe. Your payment history contributes a staggering 35% to a FICO Score calculation and this category can and will have one of the most significant impacts on how you can improve your FICO score as you will see in the information outlined below.
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