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If you find that a hard inquiry was placed on your credit file and you have no knowledge of it, make sure to contact the lender that performed the inquiry to see what it was pertaining to. If it is not accurate or you still have no knowledge of the inquiry, you should expect fraud or identity theft and should promptly alert the credit bureaus of the alleged fraud so that it can be investigated. Doing so may also remove the hard inquiry from your credit report, although it may take some time.
Debt Relief & Consumer Lawyers Good question?   +772 Investing  The FCRA section 605(c)(1) states; The 7-year period… shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Consumer Information Dec 29, 2016 3.50% – 7.02% Visiting the Philadelphia Fed Alaska
600 Credit Score Credit Needed For A Credit Card Life Apply for a secured credit card that gives you a fresh, clean credit line to repay in exchange for a small cash deposit.
Self Lender reviews rate the services as 4.8 out of 5 stars, with many reviewers noting that their credit score increased after paying off their Self Lender loan and praising the platform’s easy and simple process.
But even if you don’t have the cash on hand to eliminate or significantly reduce your credit card bills, you can still boost your credit scores. You just have to convert your credit card debt into the “good” debt – installment debt – that is considered by the credit-scoring world to be less risky and thus more beneficial to your credit scores.
Get a higher credit limit. A higher limit will immediately drop your utilization rate, as long as you don’t spend more. If your card issuer offers to raise your limit, take it — unless you know it will trigger more spending. If your issuer doesn’t offer, you can ask for a higher limit. That might trigger a credit inquiry, however, which may hurt your score for six to 12 months, so use this option carefully.
News Tip When the loan is paid off, you will receive a payment in the amount of the loan. Some lenders also pay you dividends or refund a portion of your interest. Bulletproof007’s reply was:    
LifeLock Junior™ 4. Pay Down Your Balances Contact The Private Bank
Save on electric bills One of the easier steps to improve your credit score is to clean your credit report. There are numerous reasons why you might have inaccuracies on your credit report, but if you fix these errors you’ll quickly repair your credit score.
Find an Agent Essentially, many lenders will balk at an applicant with a slew of recent hard credit inquiries, as each application for new credit represents — to other creditors, at least — the desire (and ability, in the case of new accounts) to take on more debt. It can also indicate other financial problems, also a red flag for lenders.
Jeff’s Sites If you don’t have a credit card, apply for a secured card. With secured cards, you make a refundable deposit with the issuing bank — usually somewhere between $300 and $1,000 — in return for a credit limit of the same amount. Make sure the card issuer reports your payments to all three credit bureaus (Experian, Equifax and TransUnion). The card can’t help your score at a bureau if it’s not being reported there.
Credit Bureaus Reports Our credit professionals are just a phone call away Has anyone heard of a company called the alternative loan machine?
Should I Save or Pay Off Debt? Along with the $99.95 per month credit repair services working with trained credit repair experts who will communicate with both creditors and the credit bureaus, you get an online personalized dashboard, an educational credit score tracker and analysis, a mobile app for access on the go, text and email alerts and TransUnion credit monitoring.
How long you’ve had credit Nov 18, 2014 Reply Credit Card Basics Show sub navigation Bank of America Privacy & Security Careers Sitemap Advertising Practices For Our Partners Terms of Use
Equal Housing Lender Electronic Deposit Manager If you’re thinking about filing for bankruptcy, be aware that bankruptcy laws require that you get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at, the website of the U.S. Trustee Program. That’s the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees. Be wary of credit counseling organizations that say they are government-approved, but don’t appear on the list of approved organizations.
Log In/Sign Up The most important product is a credit card. If you have a credit card and manage it well, then you will be rewarded in this. Remember: there is no greater temptation than a credit card. If you are able to withstand the temptation of plastic, you get the most points.
Consumer Guide: Free Credit Reports & Scores One of the first and best ways to rectify credit file reporting errors is to follow the online dispute process while viewing your credit report.
No Minimum Balance –  Provide any and all documentary evidence of my indebtedness for all charges you claim
So, What Is a Credit Score? Pay your bills on time. Late payments can hurt your score significantly. If you have missed payments, get current and stay current. The more you pay your bills on time, the better your score.
5. Be prepared to follow up. Most disputes are required to be investigated within thirty days of receiving the notice of dispute. But anyone who has ever dealt with any kind of big bureaucracy knows that things don’t always happen quickly and even if they do, you may not be notified. Keep any case numbers or anything else you are given to track the progress of your claim so you don’t have to start at the beginning each time you inquire.
All very good information…. but I am not sure that getting a credit offer with a pre approval doesn’t recheck your credit when you actually apply. Every credit card I signed up for did a credit inquiry…. however…. I really like your advice about adding your daughter to your accounts… this doesnt put a hard inquiry on her credit report and it makes it look like the card is hers. She doesn’t even have to use it but it will make her score jump. Great advice
Negative information hurts your credit score, but as it gets older the effect lessens. Take note of all accurate negative information, so you can follow our strategy to avoid it in the future.
A major driver of increased scores is the decreased proportion of consumers with collection items on their credit report. A credit item that falls into collections will stay on a person’s credit report for seven years. People caught in the latter end of the real estate foreclosure crisis of 2006-2011 may still have a collections item on their report today.
Credit Reporting Agency Started with 551/549 in March 2015 in November 2015  662/657. That’s 6 months >100 pts in 7 months. 

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