Getting The Lowest Rate for your Car Loan, Mortgage and other financing always depends on your credit score.
This site has help me and my clients. Hope it will help you and yours
What To Do: A little known site http://www.optoutprescreen.com can help you increase your score with all 3 major credit bureaus. Simply complete the form.
What It Does: By "Opting Out" you are telling the 3 major credit bureaus that you feel you have enough credit. They will make sure that you do not receive and credit offers in the mail( you can still apply at the local banks) for the next 5 years.
How Does It Increase Your Score:The FICO score module sees that you feel you have enough credit and depending on your current score will adjust your score upward. I have seen increases from 10 to 60 points. As we all know, the credit score means everything when it comes to lending. Over the years I have lost deals due to scores below the minimum standard by less than 1 point.
Read the site instructions. Some clients said they still wanted to get credit offers in the mail. If you feel the same why than this site is not for you. You can still get credit, but you will have to apply in person.
This usually takes about 10 business days to see the adjustment.
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