Make sure that’s not a typo: Don’t assume that negative entry in your credit file is really your fault. Consumer watchdogs report that as many as 80% of credit reports contain errors — and a quarter of the time, those errors are significant enough to cause a FICO score drop of 50 points or more. Be sure to review your official records from the two major credit reporting agencies (Equifax and TransUnion).


In the event that any part of or all of any one or more of the provisions contained in this Agreement shall for any reason be held to be invalid, illegal or unenforceable in any respect by a court of competent jurisdiction, including binding arbitration, such invalidity, illegality or unenforceability shall not affect any other part of or all of any provision hereof, and this Agreement shall be construed as if such invalid, illegal or unenforceable part or all of the provision or provisions had never been contained herein.

Job one is to know where you stand with your credit score, and you can do that with a free credit report. Request your credit report at annualcreditreport.com; by calling 1-877-322-8228; or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. When you order, you'll need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.
Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and can help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.
Thanks for the information. I won’t be able to give you advice worthwhile because I would need to know more about how those items are reporting. If you have accurate negative items, that’s one course of action. If you have inaccurate negative items, that’s a different course of action. So, the best thing you could do is go to https://superiortradelines.com/start/ and reach out to us. We will perform a free credit report analysis and you will know where you stand.
As trade lines are used by credit reporting agencies to develop an individual’s credit score, credit scores vary, with higher scores generally given to individuals with more-favorable trade line reporting. Factors considered when calculating the credit score include the number of trade lines, types of trade lines, lengths of open accounts, and payment history.
I applied for a home loan - wasn't approved - the loan company works with people with subpar credit though.  She gave me list of action items that needed to be done. She figured it would take me about a year to take care of it all. Gave me a deadline of 1 year out.  I sat down did all her action items in a week - waited 30 days, credit jumped to 620. She got an approval on a home loan but it wasn't ideal.  Waited another 30 days, credit was 651... she said we could get an ideal approval with a credit score of 640.  I don't know how, but I was so happy. signed on house at 3 months instead of 1 year. The loan officer couldn't believe it!  I now own my home, have lived in it for over a year.  Love my house!
The oldest tradeline is a lower credit limit, and the newer tradelines are higher credit limits. This is to show that your credit has gotten better over time. Age Progressional Tradeline Package tradelines are selected from the same cardholder, or two cardholders max, to ensure the addresses are kept to a minimum. This helps for an easier posting to your credit report.
The offers that appear on Rebuildcreditscores.com's website are from companies from which rebuildcreditscores.com receives compensation. This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website. However, this compensation also facilitates the provision by rebuildcreditscores.com of certain services to you at no charge. The website does not include all financial institutions or all of their available product and service offerings.
This is incorrect.You cannot decide when to take the secured deposit back-only the credit card issuer can do this.Also, shredding a card is a bad move as creditors will lower your credit limit or even cancel your card if it is not used somewhat regularly.The end result of this will be one less line of credit and a lower credit limit (which can make it harder to keep your utilization low),thus resulting in a lower credit score.
Adding quality tradelines to your credit report will increase your score, no matter what. However, you should select them wisely. The wrong tradelines will have a minimal impact. The correct tradelines will have a maximum impact. Also, if you have a substantial amount of negative items, the credit score impact is limited. In those cases, you should consider some form of credit repair or debt settlement prior to adding tradelines.
Scoring models consider how much you owe and across how many different accounts. If you have debt across a large number of accounts, it may be beneficial to pay off some of the accounts, if you can. Paying down your debt is the goal of many who've accrued debt in the past, but even after you pay the balance down to zero, consider keeping that account open. Keeping paid-off accounts open can be a plus in your overall credit mix since they're aged accounts in good (paid-off) standing. You may also consider debt consolidation.
Collection accounts, bankruptcies and other black marks can heavily damage your score, so clearing such derogatory information from your credit reports could give your score a fast and substantial lift, especially if the information has been on your report for less than two years, says Gerri Detweiler, credit expert and education director for Nav, a site offering credit scores and information for businesses.
Payment terms and status, which dictates and reveals how you pay your bills. Best case is “pays as agreed” (on-time), with late payments starting at 30 days and continuing to 60, 90, 120, 150 and 180. After that six month mark, most creditors will close the account as a charge-off, meaning they assume you’re never going to pay. (With some types of debt, like mortgage loans, that write-off timeline might kick in sooner, after the 120-day mark.) Altogether this reveals your payment history, which can appear on your credit report for up to seven years.
Step 2: Tell the creditor or other information provider, in writing, that you dispute an item. Include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if the information is found to be inaccurate, the provider may not report it again.
Pay strategically: Here’s another way to look like you don’t use much or any of your available credit card limits. Try to pay off your balance, or as much as you can, before the statement closing date. The balance on that date is sent to you and the credit bureaus, and is used when FICO calculates your credit score. It doesn't mean that you have to change your spending behavior, it just means you're attacking outstanding debt earlier in the billing cycle.
I would disagree with this option, as a credit analyst its my job to investigate credit and determine customer eligibility for loans etc... typically creditors do not look for a card thats been used 1 time for $15 then never used again this kind of credit is disregarded and or not taken seriously. When we look to approve a consumer we look at several factors and what that makes a large impact is how they make their payments, the balance currently on all their revolving and installments and the history of payments. if you only charge a tiny amount and pay it off its going to show no history and therefore not be a heavy influence. in fact if you can handle it it is good to sometimes charge the card near max but then pay it off super fast. yes this well temp drop score however. it will show creditor your applying for that you can handle larger amounts and that you pay them down good and fast. 

j) You understand that CRA is expending labor, materials and funds in order to work on your credit file and that CRA is relying on your prompt furnishing of ALL correspondence received by you from either the creditors or credit bureaus, promptly upon being received by you and within 7 days. You further understand and agree that failure to provide legible copies of all correspondence you receive from the creditors and credit bureaus damages CRA and that CRA will use available credit information to establish what items have been corrected or removed from your credit file and will charge you for those items, and you agree to pay for those items, the fees agreed upon by Client and CRA.


This (“Agreement”) is dated and effective upon the date that the Client accepts the terms herein via electronic signature as recorded electronically by CRA. The term of this agreement is 6 months from the agreement date, and will automatically renew without a written notice from client canceling automatic renewal prior to the date of the original 6 month term expiration (Under Missouri law Statute RSMo 407.642.1(3) the maximum term of an agreement is one hundred eighty days, therefore in order to continue services for Missouri clients Missouri clients will have to re-sign our contract after 180 days).
But many people think there is. You are legally entitled to a free annual credit report from each of the 3 credit bureaus, which is the starting point of any credit repair process . But none of them come with a score. That said, when you get your annual credit report from one of the bureaus, the bureau may show you a separate offer for your credit score. That score offer may be free or carry a fee. It’s up to the bureau, but just know they’re not required to offer you a free score.
Most people don't put much thought into their credit scores until the time comes to apply for a loan. If you expect to need financing in the next few months and aren't convinced your credit score is high enough to get you approved, you'll need to act quickly to improve your chances. Thankfully, there are several things you can do to boost your credit score in record time.
To avoid a late or missing payment each month, enroll in automatic payment with your service provider. Some service providers, such as student loan lenders, provide a financial incentive when you enroll in auto pay. For example, you may be eligible for a 0.25% interest rate deduction with your student loan lender when you enroll in automatic payments. If you have a choice to enroll in auto pay with your bank or directly your service provider, choose your service provider to ensure that your payment arrives on time each month.

You may already know TransUnion, Experian and Equifax are the three national credit bureaus to contact if you want to repair your credit. Simple enough. But knowing more about what they do, what they don’t do and what you can do makes it easier to navigate the credit reporting/credit repair system—which can save you time, money and aggravation. Here are 3 credit bureau facts you may not know, but should.


Otherwise, the advice you have given is great and works well for a quick boost but having the ability to remove lines of information from your credit history is even better because once it is gone, it can no longer affect your score. BTW - don't take my word or anyone elses for that matter, educate yourself! You can find either of the sources I mentioned just by Googling either of them if you want and I promise you, the more information you have, the better!
Do yourself a favor and save some money, too. Don’t believe these claims: they’re very likely signs of a scam. Indeed, attorneys at the Federal Trade Commission, the nation’s consumer protection agency, say they’ve never seen a legitimate credit repair operation making those claims. The fact is there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan.
Given that payment history accounts for 35% of your overall credit score, the more payments you make, and the earlier you make them, the more it helps boost your credit score. To keep that momentum going, set up automatic payments with lenders and creditors and ask for bill payment deadline alerts from them, as well. This is especially helpful if you're having trouble paying your bills on time.
Recently one of our customers who was indecisive about purchasing tradelines from us. After several weeks the person finally took a leap of faith and purchased two of our tradelines. He was shocked that we were legitimate and that his score increased by over 100 points. That was not a typo, he was able to increase (boost) his score by over 100 points by only purchasing two tradelines. This is exactly how powerful tradelines can be.
Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit annualcreditreport.com, or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.
my credit is 631, I finally got approved for a credit card. I am in school , with 2 kids and need my own house as well as a car ! I cant get approved for a loan based off my credit. I need the increase FAST ! I don't have much in my name, I have 2 student loans, one paid off fully one doesn't start payments for 6 months.. I have one bank account that went to collections for identity theft. I have 8 hard credits from past and present ): I don't know where to turn but I need HELP!
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Each of the 3 credit bureaus produces their own, separate credit report and their own separate credit score. That means one bureau’s report or score may not look like another’s report or score, especially since some creditors may report information to one or more bureaus at different times. This is why you have to contact all three credit bureaus when you are repairing your credit.
I have had my identity stolen and when I became aware of this I was almost 7,000.00 in DEBT, so after getting many letters from the credit card companies that I did not apply for these cards and my information was stolen.  Along with a Police Report I  typed many letters and got the cards  removed from my credit report But, As this happened I watched my credit score go DOWN VERY QUICKLY, I was shocked I was the victim and my credit score just kept going down, down, down. Now I have POOR credit I did obtain 3 credit cards and always pay the card off monthly, Does this help me by paying them off every month or not?? But just a note KEEP YOUR INFORMATION THAT IS PRIVATE, PRIVATE IN A SAFE!! THE PERSON WHO DID THIS WAS MY X PARTNER OF 17 YEARS.    
You have the right to review your credit report at no charge if a request is made to the credit bureau within thirty days after receipt by you of notice that credit has been denied. If such request is not made within the allotted time, the credit bureau must provide the approximate charge to you for a copy of your credit report for your review (For MD residents, a maximum fee of $5 may be charged). Federal Fair Credit Reporting Act (15 U.S.C. § 1681j)

Enter Your Reply You do need to talk with a credit repair professional. I know of someone who you can talk to and you can ask him questions if he can help with your situation. He charges reasonable fees but he will tell you if he can help you or not. If he does not there is no charge. Take a chance. Also, you may need to know that owning a home now is less expensive for you than renting. If you can solve this problem and re direct your goal to owning a home - that will be more beneficial for you in the long haul. contact ([email protected] COM) or text (8 5 9) 7 8 0 - 3 7 7 9


Enoch Omololu is a personal finance enthusiast and a veterinarian. He has a master's degree in Finance and Investment Management from the University of Aberdeen Business School and has a passion for helping others win with their finances. His writing has been featured or quoted in The Globe and Mail, Toronto Star, MSN Money, Financial Post, The Motley Fool and many other personal finance publications. Read more...
"I have to admit i didn't really know much about my score and didn't look much into how it was affecting my daily life until i needed to make a huge purchase and could not. That's when a friend told me how easy it was to have you help her out. My scores has gone up with just a removal of tax liens! I'm sure you won't be disappointed, their disputing letters work!"
Fix any mistakes on your credit report – Perhaps the fastest way to increase your credit score is to identify any errors on your credit report and have them rectified. You’re entitled to pull your credit report (for free) from credit bureaus like Equifax or TransUnion and go through it to see if there are any mistakes that could be pulling your score down. If there are, fixing them can give you an immediate boost to your score.
Trade lines may contain a variety of different data points related to the creditor, the lender, and the type of credit that is being provided. The trade line often contains the name of the creditor or lender, the account or another identifier for the type of credit being provided, the parties responsible for paying the loan, and the payment status of the account.
Your credit report is where all the credit information about you lives. The credit score is just a number to help lenders determine whether you are creditworthy or not, but the details about you are in the credit report. That’s why you need to check your credit reports from both bureaus at least once per year to see what’s on your report and verify that all the information being reported about you is accurate.

You have rights under the law and, unlike other companies, we tell you about them so you can exercise them. By creating an account on our website through any sign-up form or any other method, you expressly consent to Superior Tradelines, LLC, it’s employees, contractors, agents and assigns (hereinafter “our” or “we”) communicating with you, using any phone number, including a mobile or cell phone number, or email address that you have provided us using any current or future means of communication at our full discretion and transmitted by any available means. Technologies we may use to contact you include, but are not limited to, automatic telephone dialing equipment, artificial or pre-recorded voice messages, SMS text messages, or email, all of which may be transmitted by any available technology.  YOU ACKNOWLEDGE THAT YOU MAY INCUR COSTS FROM YOUR SERVICE PROVIDER RELATED TO RECEIPT OF OUR COMMUNICATION AND YOU FURTHER CONSENT TO USE OF THESE MEANS OF COMMUNICATION EVEN IF YOU INCUR COSTS. You understand that you may revoke your consent to receive communication from us by visiting:
That depends what is in your credit files and the authorized user accounts you’ll be adding to your credit reports. This is why it’s important to let us help you select the appropriate credit trade lines. By the allowing us to assist you with your selection of we can make sure you select the right accounts that you need to help you achieve your goals.
Must be nice to have a parent who is able to do all that you have done for your daughter as far as putting her on YOUR credit cards as an authorized user. Most of us do not have that luxury. Maybe when Elizabeth Warren or Bernie Sanders are President, eliminating student loan debt for most Americans vs "Putting student loans on an automatic payment schedule" again maybe easy for you but that is the problem, most Americans are just unable to make any payment. Your advice only helps the small few who are fortunate. 
Job one is to know where you stand with your credit score, and you can do that with a free credit report. Request your credit report at annualcreditreport.com; by calling 1-877-322-8228; or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. When you order, you'll need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.
How to improve credit scores is a simple process of either removing negative items, and/or adding positive data. At Boost Credit 101 we add Authorized User tradelines, which are positive data, and once they post you will receive a credit boost. If you have a poor credit score, you will need to either pay to add positive data, like tradelines, or apply for something secured, and settle back and wait months, if not longer, to apply for something secured.
m) The Client understands that all information provided to CRA must be true and accurate to the best of the Client's knowledge. Client agrees to provide CRA with any and all information, in a timely manner, needed to facilitate the services to be provided to the Client. The Client authorizes CRA, its employees and agents to prepare all necessary correspondence, either written or electronic, relating to CRA's services and to submit to CRA any additional information legally required or necessary to support those services. The Client agrees to forward immediately to CRA all correspondence from the credit bureaus, creditors or others relating to services provided by CRA. The Client agrees to print or save a copy of this Agreement to retain with your personal records. Client agrees to make copies of any documents provided to CRA to retain with your personal records. CRA may not return documents forwarded by you. Client understands that CRA is not a law firm and does not offer legal advice. Should you need legal advice CRA instructs you to consult with an attorney licensed to practice law in the state you reside.
If you've already used up your free credit reports for this year, you can order your credit reports directly from the credit bureaus for a fee. The bureaus all offer a three-in-one credit report that lists all three of your credit reports side-by-side. The three-in-one credit report costs more than a single credit report, but less than the combined price of purchasing your three individual credit reports.
Most people don't put much thought into their credit scores until the time comes to apply for a loan. If you expect to need financing in the next few months and aren't convinced your credit score is high enough to get you approved, you'll need to act quickly to improve your chances. Thankfully, there are several things you can do to boost your credit score in record time.
Disclaimer: Rebuildcreditscores.com strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Any and all loan information is presented without warranty. If approved, your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. Only borrowers with excellent credit will qualify for the lowest rate. All loans are subject to credit review and approval.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
Hi I’m interested in raising my credit score which has recently gone from 496 August 23 to 574 September 28th with the purchase of a secured visa with a $200 limit, my credit age is only 2 months with a 100% payment history. Still, only 2 months young. I had 2 negative things on my report of which I’ve gotten removed and now I have 1 dismissed chpt 13, not to be confused with a discharged chpt 13. This means I filed and then didn’t go through with it so I’m trying to get it off my credit. Other than that I have nothing else on my credit except 2 hard inquiries. Without having seen my credit report, what is your best guestimate that a tradelines will work for me?
Become familiar with the information contained in each of your credit reports. They'll all look very similar, even if you've ordered them from different bureaus. Each credit report contains your personal identifying information, detailed history for each of your accounts, any items that have been listed in public record like a bankruptcy, and the inquiries that have been made to your credit report.
No one can legally remove accurate and timely negative information from a credit report. You can ask for an investigation —at no charge to you — of information in your file that you dispute as inaccurate or incomplete. Some people hire a company to investigate for them, but anything a credit repair company can do legally, you can do for yourself at little or no cost. By law:
Concentrate on performance factors: Payment punctuality and credit use levels account for 65% of the scoring equation. That’s why, even if you change nothing else, being an on-time, low-spending Goody Two-shoes for a while will do wonders for your reputation. The blow to your score for any 30- or 60-day late payments in the past year will begin to diminish after you mail the cheque and rectify your wrong. Recovering from a 90-day late payment (a ding that can be as damaging to your score as bankruptcy) will take longer. But it will fade to black eventually, particularly if your more recent payment habits are pristine.
By the way, don’t use a credit card for a big bill if you plan to carry a balance. The compound interest will create an ugly pile of debt pretty quickly. Credit cards should never be used as a long-term loan unless you have a card with a zero percent introductory APR on purchases. Even then, you have to be mindful of the balance on the card and make sure you can pay the bill off before the intro period ends.
Thanks to the Fair Credit Reporting Act, you have the legal right to dispute errors on your credit report. Unlike reporting tradelines to credit bureaus, which only an approved reporting agency can do, you can contact credit bureaus directly to fix any errors or incomplete information. The Federal Trade Commission has sample letters you can use to dispute incorrect information, and they also make recommendations on how to make sure your request is received and addressed by the bureaus.
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