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Becoming an authorized user on someone else’s credit card account can improve your credit score. When you are an authorized user of a credit account, the account’s payment history appears on your credit report. If that payment history is positive, this could raise your credit score.
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Once you pay the highest rate credit line off, you move on to the next on the list and pay it off. mpsinu's reply was: Credit repair services charge a monthly fee of between $80 and $129, says Ulzheimer. A simple correction on your credit report could take only a month or two, while reports with multiple errors requiring negotiations and significant documentation could take a year or longer.
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Hard inquiries stay on your credit report for 24 months. They will affect your credit score for 12 months. But, you can dispute hard inquires on your credit profile and have them removed. Call the credit bureaus to dispute inquiries, the creditor has to verify you authorized them to pull your credit. Inquires aren’t often removed but I have seen a couple removed from credit reports before so it’s worth a shot. This is a great, fast way to improve credit scores in a hurry.
Scholarship Opportunity! How to Improve Your Score Beyond Credit Repair 10sfit's reply was: How to budget with a credit card
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